Junction City, Ohio Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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.
Junction City, Ohio CD rates range from 2.74% to 6.03% APY, verified by MonitorBankRates as of October 23, 2026. Current Junction City, Ohio CD rates include FNB of McConnelsvilleFNB of McConnelsville107 W Main St, Junction City, OH 43748A+5.0 ★Texas Ratio: 4.43%Real return: -0.65%APY minus CPIRate verified Oct 22, 2026 offering FIXED Rate 18 Month IRA at 3.05% APY, Vacationland Federal Credit UnionVacationland Federal Credit UnionA+5.0 ★Texas Ratio: 4.80%Real return: +2.33%APY minus CPIRate verified Oct 23, 2026 offering Youth Certificates - 12 Months at 6.03% APY, Scott Associates Credit UnionScott Associates Credit UnionA5.0 ★Texas Ratio: 6.90%Real return: +1.36%APY minus CPIRate verified Oct 19, 2026 offering 60 Month IRA Certificates at 5.06% APY, Seven Seventeen Credit UnionSeven Seventeen Credit UnionA5.0 ★Texas Ratio: 7.64%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Jumbo Certificate at 5.00% APY, and GLASS CITYGLASS CITYA+5.0 ★Texas Ratio: 1.32%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Youth CD at 5.00% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Junction City has 8 local institutions in our database, with CD rates as high as 3.05% APY from FNB of McConnelsville at 107 W Main St, Junction City, OH 43748. 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 Junction City, Ohio & the Surrounding Area
Junction City 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.91% above Ohio avg
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
90 Day Certificate
$500
3.80%
▲ 2.13% above Ohio avg
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
3-Month Certificate
$0
3.55%
▲ 1.88% above Ohio avg
▼
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
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA 3-Month Certificate
$0
3.55%
▲ 1.88% above Ohio avg
▼
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
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
▼
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
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month CD
$1,000
3.50%
▲ 1.83% above Ohio avg
▼
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%
- 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
▼
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
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Certificates + 3 month
$500
3.50%
▲ 1.83% above Ohio avg
▼
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
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$500
3.50%
▲ 1.83% above Ohio avg
▼
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
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Term IRA
$250
3.50%
▲ 1.83% above Ohio avg
▼
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
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
90 Day CD
$500
3.35%
▲ 1.68% above Ohio avg
▼
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
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
▼
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
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
▼
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
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25%
▲ 1.58% above Ohio avg
▼
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%
- 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
▼
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
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
▼
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
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 3 Month - TruAdvantage
$0
3.25%
▲ 1.58% above Ohio avg
▼
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
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
3 Month Certificate
$1,000
3.25%
▲ 1.58% above Ohio avg
▼
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
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Certificate - 3 mo.
$0
3.25%
▲ 1.58% above Ohio avg
▼
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
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
Share Certificate - 3 months
$0
3.12%
▲ 1.45% above Ohio avg
▼
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
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
▼
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
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 3 Month - TruBenefits
$0
3.10%
▲ 1.43% above Ohio avg
▼
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
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 Month Regular Certificate
$500
3.05%
▲ 1.38% above Ohio avg
▼
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
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
▼
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
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
Share Certificate - 3 months
$0
3.02%
▲ 1.35% above Ohio avg
▼
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
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$500
3.00%
▲ 1.33% above Ohio avg
▼
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%
- 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%
3 Month Term IRA
$250
3.00%
▲ 1.33% above Ohio avg
▼
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
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
▼
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
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 3 Month
$0
3.00%
▲ 1.33% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details
IRA/ESA/Certificates; Regular APY; Yields as of Sept. 1, 2026
Rate History
No change since Oct 19, 2026 · 3.00% APY
AurGroup Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Term Share Certificate - 3 Month
$0
3.00%
▲ 1.33% above Ohio avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details
Rate History
1 change since Oct 14, 2026 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25%
- Oct 19, 20263.00%▲ from 2.25%
- Oct 14, 20262.25%first recorded
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
3 Month Term Share Certificate
$0
2.93%
▲ 1.26% above Ohio avg
▼
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
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Share Certificates and IRAs - 3 Months
$0
2.84%
▲ 1.17% above Ohio avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.17% above avgNationally 2.13%
Details
Balance: $90,000 +; APY* = Annual Percentage Yield
Rate History
No change since Oct 23, 2026 · 2.84% APY
Softite Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
90 Day Certificate
$0
2.80%
▲ 1.13% above Ohio avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.13% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 2.80% APY · checked 2 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.79%
▲ 1.12% above Ohio avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.12% above avgNationally 2.13%
Details
Balance: $50,000 - $89,999
Rate History
No change since Oct 12, 2026 · 2.79% APY · checked 3 times
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$0
2.78%
▲ 1.11% above Ohio avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.11% above avgNationally 2.13%
Details
Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older
Rate History
No change since Oct 15, 2026 · 2.78% APY · checked 2 times
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Term Share Certificates - 3 Month
$500
2.75%
▲ 1.08% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.08% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.74%
▲ 1.07% above Ohio avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.07% above avgNationally 2.13%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 12, 2026 · 2.74% APY · checked 2 times
Junction City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Bonus CD
$0
4.75%
▲ 1.95% above Ohio avg
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Share Certificate
$0
4.25%
▲ 1.45% above Ohio avg
▼
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
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
▼
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
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
4.15%
▲ 1.35% above Ohio avg
▼
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%
- 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
▼
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
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
▼
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
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6 Month Certificate
$500
4.10%
▲ 1.30% above Ohio avg
▼
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%
- Oct 19, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.30% above Ohio avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.30% above avgNationally 2.78%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.30% above Ohio avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.30% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificate Accounts - 6 Month Certificate
$0
4.08%
▲ 1.28% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.28% above avgNationally 2.78%
Details
$500 minimum balance and dividend forfeiture for principal withdrawn prior to maturity
Rate History
No change since Oct 19, 2026 · 4.08% APY
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificate IRA - 6 Month Certificate
$0
4.08%
▲ 1.28% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.28% above avgNationally 2.78%
Details
$500 minimum balance and dividend forfeiture for principal withdrawn prior to maturity; Rates effective as of October 1, 2026
Rate History
No change since Oct 19, 2026 · 4.08% APY
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 6 months
$500
4.08%
▲ 1.28% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.28% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 4.08% APY
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$500
4.07%
▲ 1.27% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.27% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.07% ▲ 0.77 pts · high 4.07% / low 3.30%
- Oct 23, 20264.07%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Share and IRA Jumbo Certificates
$0
4.04%
▲ 1.24% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.24% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 4.04% APY
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
6 Month Certificate of Deposit
$500
4.02%
▲ 1.22% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.22% above avgNationally 2.78%
Details
CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.02% APY · checked 2 times
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Share Certificate 6 Month
$500
4.01%
▲ 1.21% above Ohio avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.21% above avgNationally 2.78%
Details
Early withdrawal penalty: if certificate is less than 12 months, 90 day dividend penalty; if greater than 12 months, 180 day dividend penalty. Rates as of 10/1/2026.
Rate History
1 change since Sep 12, 2026 · 3.70% → 4.01% ▲ 0.31 pts · high 4.01% / low 3.70%
- Sep 25, 20264.01%▲ from 3.70%
- Sep 12, 20263.70%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 6 Month
$1,000
4.00%
▲ 1.20% above Ohio avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
4.00%
▲ 1.20% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
4.00%
▲ 1.20% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 6-Month
$1,000
4.00%
▲ 1.20% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 6 Month
$0
4.00%
▲ 1.20% above Ohio avg
▼
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
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 6 Month
$10,000
4.00%
▲ 1.20% above Ohio avg
▼
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
Jeep Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
6 Month Special Certificate
$1,000
4.00%
▲ 1.20% above Ohio avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Special Certificate; $1000 minimum; Rates effective as of October 22, 2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Certificate of Deposit - 6 months
$500
4.00%
▲ 1.20% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Certificate
$500
4.00%
▲ 1.20% above Ohio avg
▼
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%
- 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%
6 Month Term IRA
$250
4.00%
▲ 1.20% above Ohio avg
▼
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%
- Oct 9, 20264.00%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Certificate
$0
4.00%
▲ 1.20% above Ohio avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Certificates Account; Annual Percentage Rate 3.92%; Annual Percentage Yield 4.00%
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 9, 20264.00%▲ from 3.90%
- Sep 14, 20263.90%first recorded
FIRELANDS
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
Share Certificate - 6 months
$500
4.00%
▲ 1.20% above Ohio avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Penalty for early withdrawal. Dividends compounded and paid quarterly.
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
National Cooperative Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6 Month Impact CD
$2,500
3.98%
▲ 1.18% above Ohio avg
▼
Rate3.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.18% above avgNationally 2.78%
Details
Online Only; rate fixed until first maturity; interest compounded continuously and credited quarterly and at maturity; early withdrawal penalty equals 3 months interest; automatically renews
Rate History
No change since Oct 22, 2026 · 3.98% APY
FNB of Waverly
Institution Rating:
B+4.7 ★Texas Ratio: 18.82%
Certificate of Deposit Specials - 6 Month Special
$1,000
3.98%
▲ 1.18% above Ohio avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.18% above avgNationally 2.78%
Details
Compound: Simple; Early withdrawal penalty: 3 Months Interest; Max deposit $250,000; No Public Funds or Jumbo CDs
Rate History
No change since Oct 23, 2026 · 3.98% APY
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificate - 6 Months
$500
3.95%
▲ 1.15% above Ohio avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 3 times
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Certificate
$0
3.95%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details
Balance: $500.00 - $Max
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Sep 29, 20263.95%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month IRA Certificate
$0
3.95%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details
Balance: $500.00 - $Max
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 9, 20263.95%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
6 Month Certificate
$500
3.95%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details
Rates current as of 10/05/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 10, 20263.95%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Share and IRA Certificates
$0
3.94%
▲ 1.14% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.14% above avgNationally 2.78%
Details
Rates effective August 5, 2026
Rate History
1 change since Sep 14, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54%
- Sep 22, 20263.94%▲ from 3.54%
- Sep 14, 20263.54%first recorded
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificate Account - 6 Month
$0
3.91%
▲ 1.11% above Ohio avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.11% above avgNationally 2.78%
Details
Certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.91% APY
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate - 6 Month
$0
3.91%
▲ 1.11% above Ohio avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.11% above avgNationally 2.78%
Details
IRA certificate; certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.91% APY
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6-month CD
$2,500
3.90%
▲ 1.10% above Ohio avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details
Renewable; penalty imposed for early withdrawal; APY effective October 16, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
- Oct 21, 20263.90%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Certificate of Deposit - 6 months
$500
3.90%
▲ 1.10% above Ohio avg
▼
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
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificates of Deposits - 6 Months - Jumbo
$0
3.90%
▲ 1.10% above Ohio avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details
Jumbo ($50,000+) Rate and Yield; A Premium is also paid on Jumbo Share Certificates
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Term Share Certificates - 6 Month
$500
3.90%
▲ 1.10% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month CD
$500
3.90%
▲ 1.10% above Ohio avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Certificates + 6 month
$500
3.85%
▲ 1.05% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.05% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
6 Month Business Certificate Jumbo - ConnectMORE
$100,000
3.85%
▲ 1.05% above Ohio avg
▼
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
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Month Certificate of Deposit (CD)
$500
3.82%
▲ 1.02% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.02% above avgNationally 2.78%
Details
Minimum balance to obtain APY: $500.00; APY accurate as of 10/21/2026; Early withdrawal penalties apply
Rate History
No change since Sep 19, 2026 · 3.82% APY · checked 4 times
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Certificate
$500
3.82%
▲ 1.02% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.02% above avgNationally 2.78%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09%
- Oct 9, 20263.82%▲ from 3.09%
- Sep 14, 20263.09%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 Month IRA Certificate
$500
3.82%
▲ 1.02% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.02% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 2 times
Junction City 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
IRA 12 Month Fixed Rate
$250
3.05%
▼ 0.10% below Ohio avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▼ 0.10% below avgNationally 2.99%
Details
Minimum balance to obtain APY: $250
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- Oct 8, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
12 Month Certificate of Deposit
$500
3.04%
▼ 0.11% below Ohio avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▼ 0.11% below avgNationally 2.99%
Details
Balance: $500.00-49,999.99; Minimum balance to obtain APY: $500
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94%
- Oct 3, 20263.04%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$500
6.03%
▲ 2.88% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.88% above avgNationally 2.99%
Details
Age: 19; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 6.03% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$500
5.93%
▲ 2.78% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.78% above avgNationally 2.99%
Details
Age: 18; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.93% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$500
5.82%
▲ 2.67% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.67% above avgNationally 2.99%
Details
Age: 17; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.82% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$500
5.72%
▲ 2.57% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.57% above avgNationally 2.99%
Details
Age: 16; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.72% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$500
5.62%
▲ 2.47% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.47% above avgNationally 2.99%
Details
Age: 15; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.62% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$500
5.51%
▲ 2.36% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.36% above avgNationally 2.99%
Details
Age: 14; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.51% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$500
5.41%
▲ 2.26% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.26% above avgNationally 2.99%
Details
Age: 13; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.41% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
5.30%
▲ 2.15% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.15% above avgNationally 2.99%
Details
Age: 12; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.30% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
5.20%
▲ 2.05% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.05% above avgNationally 2.99%
Details
Age: 11; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.20% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
5.10%
▲ 1.95% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.95% above avgNationally 2.99%
Details
Age: 10; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 5.10% APY · checked 10 times
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
12 Month Youth CD
$100
5.00%
▲ 1.85% above Ohio avg
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.85% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.99%
▲ 1.84% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.84% above avgNationally 2.99%
Details
Age: 9; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.99% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.88%
▲ 1.73% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.73% above avgNationally 2.99%
Details
Age: 8; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.88% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.78%
▲ 1.63% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.63% above avgNationally 2.99%
Details
Age: 7; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.78% APY · checked 10 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.68%
▲ 1.53% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.53% above avgNationally 2.99%
Details
Age: 6; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.68% APY · checked 10 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 1.45% above Ohio avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.45% above avgNationally 2.99%
Details
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.58%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.43% above avgNationally 2.99%
Details
Age: 5; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.58% APY · checked 10 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month Online CD
$500
4.50%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details
Minimum to Open: $500; Online CD
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 20, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 12 Month
$0
4.50%
▲ 1.35% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details
Type of Certificate: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
- Oct 12, 20264.50%▲ from 4.05%
- Sep 14, 20264.05%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
IRA Certificate - 12 Month
$0
4.50%
▲ 1.35% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details
Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA
Rate History
No change since Oct 19, 2026 · 4.50% APY
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Standard Certificate - 12 Month
$0
4.50%
▲ 1.35% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details
Effective Date: 10/1/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.47%
▲ 1.32% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.32% above avgNationally 2.99%
Details
Age: 4; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.47% APY · checked 10 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 12 Months
$500
4.39%
▲ 1.24% above Ohio avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.24% above avgNationally 2.99%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.37%
▲ 1.22% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.22% above avgNationally 2.99%
Details
Age: 3; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.37% APY · checked 10 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.20% above Ohio avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▲ 1.20% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1 Year Certificate of Deposit
$500
4.31%
▲ 1.16% above Ohio avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.16% above avgNationally 2.99%
Details
CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.31% APY · checked 5 times
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Certificate of Deposit - 12 months
$500
4.30%
▲ 1.15% above Ohio avg
▼
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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.15% above avgNationally 2.99%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.15% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.27%
▲ 1.12% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.12% above avgNationally 2.99%
Details
Age: 2; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.27% APY · checked 10 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$500
4.25%
▲ 1.10% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Months 10-12 APY; Minimum to Obtain: $500
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
12 Month Certificate
$500
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
SPECIAL
Rate History
2 changes since Sep 11, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 21, 20264.25%▲ from 4.10%
- Oct 14, 20264.10%▲ from 3.85%
- Sep 11, 20263.85%first recorded
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
12 Month IRA Certificate
$500
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
SPECIAL
Rate History
1 change since Oct 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Oct 21, 20264.25%▲ from 4.10%
- Oct 14, 20264.10%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 12-Month
$500
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 15, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%▲ from 3.85%
- Sep 12, 20263.85%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 12-Month
$500
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%▲ from 3.85%
- Sep 12, 20263.85%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Certificates + 12 month
$500
4.25%
▲ 1.10% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Sep 25, 20264.25%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Certificate Account - 12 Month Maturity
$1,000
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Effective 09/23/2026; dividends paid at maturity; additional deposits not allowed; no early withdrawals without a penalty; available terms may vary
Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Certificate
$0
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Certificates Account; Annual Percentage Rate 4.16%; Annual Percentage Yield 4.25%
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12 Month Certificate
$500
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 19, 20264.25%▲ from 4.00%
- Oct 10, 20264.00%▲ from 3.85%
- Sep 22, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month Share Certificate
$0
4.25%
▲ 1.10% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details
Balance: $500-$49,000; Dividends compound monthly
Rate History
No change since Oct 19, 2026 · 4.25% APY
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
12 Month IRA Certificates
$500
4.23%
▲ 1.08% above Ohio avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.08% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
- Oct 19, 20264.23%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
12 Month Share Certificates
$500
4.23%
▲ 1.08% above Ohio avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.08% above avgNationally 2.99%
Details
Minimum deposit of $500 required.
Rate History
1 change since Sep 22, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
- Oct 9, 20264.23%▲ from 3.56%
- Sep 22, 20263.56%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12 Month Share and IRA Jumbo Certificates
$0
4.22%
▲ 1.07% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.07% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.22% APY
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Youth Certificates - 12 Months
$100
4.16%
▲ 1.01% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.01% above avgNationally 2.99%
Details
Age: 1; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 10 times
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
4.15%
▲ 1.00% above Ohio avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details
Penalty will be imposed for early withdrawal; Rates current as of October 8, 2026
Rate History
2 changes since Sep 19, 2026 · 3.82% → 4.15% ▲ 0.33 pts · high 4.15% / low 3.82%
- Oct 14, 20264.15%▲ from 4.00%
- Sep 27, 20264.00%▲ from 3.82%
- Sep 19, 20263.82%first recorded
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Term Share Certificates - 12 Month
$500
4.15%
▲ 1.00% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
IRA 12 Month Certificate
$0
4.15%
▲ 1.00% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.15% APY
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
Share Certificates - 12 Month Certificate
$0
4.15%
▲ 1.00% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details
Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 22, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Junction City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
FIXED Rate 18 Month IRA
$250
3.05%
▲ 0.19% above Ohio avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 0.19% above avgNationally 2.88%
Details
Minimum balance to obtain APY: $250
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.05% ▲ 0.11 pts · high 3.05% / low 2.94%
- Oct 8, 20263.05%▲ from 2.94%
- Sep 14, 20262.94%first recorded
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
18 Month Certificate of Deposit
$500
3.04%
▲ 0.18% above Ohio avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 0.18% above avgNationally 2.88%
Details
Balance: $500.00-49,999.99; Minimum balance to obtain APY: $500
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94%
- Oct 3, 20263.04%▲ from 2.94%
- Sep 14, 20262.94%first recorded
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Certificate
$0
4.35%
▲ 1.49% above Ohio avg
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 18-Month
$500
4.30%
▲ 1.44% above Ohio avg
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
Share Certificates - 18 Month Certificate
$0
4.30%
▲ 1.44% above Ohio avg
▼
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%
- 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
▼
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%
- 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
▼
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
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 1.41% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.41% above avgNationally 2.88%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12 thru 18 Month Certificate of Deposit
$5,000
4.25%
▲ 1.39% above Ohio avg
▼
Rate4.16%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Limited Time CD Special; You Choose The Term; Age 18 and under may open with $500; Public funds over $250,000.00 excluded; Effective Date: 10/19/2026; Automatically renewable; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 9 times
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
18 MONTH IRA / ROTH TDOA
$0
4.25%
▲ 1.39% above Ohio avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Individual Retirement Accounts; Effective Date: 10/19/2026; Interest rate and APY assume interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Certificate of Deposit - 18 months
$500
4.25%
▲ 1.39% above Ohio avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 23, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18-Month Certificate
$0
4.25%
▲ 1.39% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA 18-Month Certificate
$0
4.25%
▲ 1.39% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.39% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
18 Month Legacy Certificate
$50
4.20%
▲ 1.34% above Ohio avg
▼
Rate4.12%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.34% above avgNationally 2.88%
Details
One per minor child; Cinfed matches a one-time $50 opening deposit; additional deposits allowed until maturity; monthly transfer required; only on General Membership, Custodian, and UGMA/UTMA accounts
Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 2 times
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Share Certificate - 18-Month
$0
4.19%
▲ 1.33% above Ohio avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.33% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.19% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.29% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.29% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Promo CD Special
$0
4.15%
▲ 1.29% above Ohio avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.24% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 18 Month Special
$1,000
4.10%
▲ 1.24% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details
Compounding: Daily
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Individual Retirement Account - 18 Month Special
$0
4.10%
▲ 1.24% above Ohio avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details
Compounding Method: Daily; Special rate
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
IRA 18 Month Special
$0
4.10%
▲ 1.24% above Ohio avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details
Compounding Method: Daily
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month Fixed IRA
$0
4.10%
▲ 1.24% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 6 times
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Certificates - 18 Month Term Share Certificate
$100,000
4.10%
▲ 1.24% above Ohio avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details
More Than $10,000; Balance: $100,000
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 6 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
18 Month Business Certificate Standard - ConnectMORE
$500
4.10%
▲ 1.24% above Ohio avg
▼
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
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 18 months
$500
4.08%
▲ 1.22% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.22% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 4.08% APY
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month Certificate
$500
4.07%
▲ 1.21% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.21% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
- Oct 23, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Certificate
$500
4.07%
▲ 1.21% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.21% above avgNationally 2.88%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 9, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
18 Month Standard Certificate - ConnectMORE
$500
4.05%
▲ 1.19% above Ohio avg
▼
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
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
18 Month Certificate/IRA
$500
4.05%
▲ 1.19% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.19% above avgNationally 2.88%
Details
IRA available; Rates current as of 10/05/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 10, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
First National Bank in New Bremen
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month CD
$500
4.02%
▲ 1.16% above Ohio avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.16% above avgNationally 2.88%
Details
$10,000.00 balance to obtain APY
Rate History
1 change since Sep 11, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
- Sep 19, 20264.02%▲ from 3.82%
- Sep 11, 20263.82%first recorded
The Antwerp Exchange Bank Company
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Certificates of Deposit - 18 Month
$500
4.01%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.15% above avgNationally 2.88%
Details
Balance: $5,000 and Above; $5,000 minimum balance to maintain disclosed APY; APY~ = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 4.01% APY · checked 2 times
Consumers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Certificates of Deposit (CDs) - 18 Month
$1,000
4.00%
▲ 1.14% above Ohio avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
Bank of Magnolia
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month Certificate
$1,000
4.00%
▲ 1.14% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details
Compound Method: Monthly
Rate History
1 change since Sep 19, 2026 · 0.25% → 4.00% ▲ 3.75 pts · high 4.00% / low 0.25%
- Oct 3, 20264.00%▲ from 0.25%
- Sep 19, 20260.25%first recorded
Bank of Magnolia
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Months IRA
$1,000
4.00%
▲ 1.14% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details
Annual Percentage Yield (Quarterly IRAs)
Rate History
No change since Oct 21, 2026 · 4.00% APY
Junction City 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
IRA 24 Month Fixed Rate
$250
3.05%
▲ 0.12% above Ohio avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 0.12% above avgNationally 2.90%
Details
Minimum balance to obtain APY: $250
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
24 Month IRA (Variable)
$100
4.91%
▲ 1.98% above Ohio avg
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.93%▲ 1.98% above avgNationally 2.90%
Details
IRA certificate; rate may change monthly (1st of each month) and follows the most recent two-year Treasury bill auction
Rate History
1 change since Sep 11, 2026 · 4.29% → 4.91% ▲ 0.62 pts · high 4.91% / low 4.29%
- Oct 3, 20264.91%▲ from 4.29%
- Sep 11, 20264.29%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 1.88% above Ohio avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.88% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
24 Month Jumbo Certificate
$0
4.70%
▲ 1.77% above Ohio avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.77% above avgNationally 2.90%
Details
Balance: $250,000 or more; includes additional 0.25% APY jumbo bonus
Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.70% ▲ 0.90 pts · high 4.70% / low 3.80%
- Oct 19, 20264.70%▲ from 4.55%
- Oct 9, 20264.55%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 24 Month
$0
4.60%
▲ 1.67% above Ohio avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.67% above avgNationally 2.90%
Details
Type of Certificate: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%
- Oct 12, 20264.60%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
24 Month IRA Certificates
$500
4.59%
▲ 1.66% above Ohio avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.66% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71%
- Oct 19, 20264.59%▲ from 3.71%
- Sep 18, 20263.71%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
24 Month Share Certificates
$500
4.59%
▲ 1.66% above Ohio avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.66% above avgNationally 2.90%
Details
Minimum deposit of $500 required.
Rate History
1 change since Sep 22, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71%
- Oct 9, 20264.59%▲ from 3.71%
- Sep 22, 20263.71%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 24 Months
$500
4.55%
▲ 1.62% above Ohio avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.62% above avgNationally 2.90%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Month Share and IRA Jumbo Certificates
$0
4.54%
▲ 1.61% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.61% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.54% APY
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
24 Month Certificate
$500
4.45%
▲ 1.52% above Ohio avg
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.52% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
- Oct 9, 20264.45%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month Certificate
$0
4.45%
▲ 1.52% above Ohio avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.52% above avgNationally 2.90%
Details
Certificates Account; Annual Percentage Rate 4.35%; Annual Percentage Yield 4.45%
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Month Share and IRA Certificates
$0
4.44%
▲ 1.51% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.51% above avgNationally 2.90%
Details
Rates effective August 5, 2026
Rate History
1 change since Sep 14, 2026 · 3.94% → 4.44% ▲ 0.50 pts · high 4.44% / low 3.94%
- Sep 22, 20264.44%▲ from 3.94%
- Sep 14, 20263.94%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Certificate of Deposit - 24 months
$500
4.40%
▲ 1.47% above Ohio avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.47% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.40% ▲ 0.55 pts · high 4.40% / low 3.85%
- Oct 23, 20264.40%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2 Year Certificate of Deposit
$500
4.36%
▲ 1.43% above Ohio avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.43% above avgNationally 2.90%
Details
CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.36% APY · checked 5 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
24 Month Jumbo Certificates +
$50,000
4.35%
▲ 1.42% above Ohio avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.42% above avgNationally 2.90%
Details
Rates effective as of September 22, 2026
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Sep 25, 20264.35%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
IRA Certificate - 24-Month
$0
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
- Oct 14, 20264.32%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Share Certificate - 24-Month
$0
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.32% APY · checked 2 times
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificate Account - 2 Year
$0
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details
Certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.32% APY
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate - 2 Year
$0
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details
IRA certificate; certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.32% APY
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates of Deposit (CD) - 24 months
$500
4.31%
▲ 1.38% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.38% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.31% APY
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 24-Month
$500
4.30%
▲ 1.37% above Ohio avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.37% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- 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 - 24-Month
$500
4.30%
▲ 1.37% above Ohio avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.37% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- 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 + 24 month
$500
4.30%
▲ 1.37% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.37% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Sep 25, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month CD/IRA Special
$0
4.25%
▲ 1.32% above Ohio avg
▼
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
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month Promo CD Special
$0
4.25%
▲ 1.32% above Ohio avg
▼
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
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25%
▲ 1.32% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details
Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2-Year Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2-Year Jumbo Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA 2-Year Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Jumbo 2-Year Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details
IRA Jumbo Certificates; APYs as of last dividend declaration date 10.6.2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.32% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 24-Month Add-On
$500
4.20%
▲ 1.27% above Ohio avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.27% above avgNationally 2.90%
Details
Add-On
Rate History
2 changes since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 15, 20264.20%▲ from 3.95%
- Sep 20, 20263.95%▲ from 3.80%
- Sep 12, 20263.80%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 24-Month Add-On
$500
4.20%
▲ 1.27% above Ohio avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.27% above avgNationally 2.90%
Details
Rate History
1 change since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 8, 20264.20%▲ from 3.80%
- Sep 12, 20263.80%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate Certificate
$0
4.17%
▲ 1.24% above Ohio avg
▼
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%
- 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%
24 Month Variable Rate HSA Certificate
$0
4.17%
▲ 1.24% above Ohio avg
▼
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%
- 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%
24 Month Variable Rate IRA Certificate (Roth, Traditional, Education)
$0
4.17%
▲ 1.24% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Business Certificate Standard - ConnectMORE
$500
4.15%
▲ 1.22% above Ohio avg
▼
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
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Certificate
$500
4.13%
▲ 1.20% above Ohio avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.20% above avgNationally 2.90%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 9, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Youth Certificate
$100
4.13%
▲ 1.20% above Ohio avg
▼
Rate4.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.20% above avgNationally 2.90%
Details
$100 initial deposit - Must be under 18 years of age; Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 9, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Share Certificate 24 Month
$500
4.11%
▲ 1.18% above Ohio avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.18% above avgNationally 2.90%
Details
Early withdrawal penalty: if certificate is greater than 12 months, 180 day dividend penalty. Rates as of 10/1/2026.
Rate History
1 change since Sep 12, 2026 · 3.80% → 4.11% ▲ 0.31 pts · high 4.11% / low 3.80%
- Sep 25, 20264.11%▲ from 3.80%
- Sep 12, 20263.80%first recorded
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Month CD
$500
4.10%
▲ 1.17% above Ohio avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.93%▲ 1.17% above avgNationally 2.90%
Details
Rate History
1 change since Sep 7, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
- Sep 24, 20264.10%▲ from 3.30%
- Sep 7, 20263.30%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month IRA Certificate - ConnectMORE
$500
4.10%
▲ 1.17% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Standard Certificate - ConnectMORE
$500
4.10%
▲ 1.17% above Ohio avg
▼
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
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month Certificate/IRA
$500
4.10%
▲ 1.17% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.17% above avgNationally 2.90%
Details
IRA available; Rates current as of 10/05/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 10, 20264.10%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
24 Month Share Certificate
$500
4.08%
▲ 1.15% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.15% above avgNationally 2.90%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 5, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
24 Month Share Certificates
$0
4.06%
▲ 1.13% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.13% above avgNationally 2.90%
Details
Rate History
1 change since Sep 25, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 4, 20264.06%▲ from 3.80%
- Sep 25, 20263.80%first recorded
First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24-Month CD Special
$0
4.05%
▲ 1.12% above Ohio avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details
Promotional rate available for new money only; Visit Us
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificate - 24 Months
$500
4.05%
▲ 1.12% above Ohio avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Business Certificate Standard
$500
4.05%
▲ 1.12% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Second Chance Certificate - ConnectMORE
$500
4.05%
▲ 1.12% above Ohio avg
▼
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
Junction City 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
IRA 36 Month Fixed Rate
$250
3.05%
▲ 0.35% above Ohio avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 0.35% above avgNationally 2.81%
Details
Minimum balance to obtain APY: $250
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
36 Month IRA Certificates
$500
4.86%
▲ 2.16% above Ohio avg
▼
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%
- 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
▼
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%
- Oct 9, 20264.86%▲ from 3.82%
- Sep 22, 20263.82%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
36 Month Jumbo Certificate
$0
4.85%
▲ 2.15% above Ohio avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 2.15% above avgNationally 2.81%
Details
Balance: $250,000 or more; includes additional 0.25% APY jumbo bonus
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.85% ▲ 0.60 pts · high 4.85% / low 4.25%
- Oct 9, 20264.85%▲ from 4.25%
- Sep 14, 20264.25%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$500
4.71%
▲ 2.01% above Ohio avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 2.01% above avgNationally 2.81%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 36 Month
$0
4.70%
▲ 2.00% above Ohio avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 2.00% above avgNationally 2.81%
Details
Type of Certificate: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.26% → 4.70% ▲ 0.44 pts · high 4.70% / low 4.26%
- Oct 12, 20264.70%▲ from 4.26%
- Sep 14, 20264.26%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
36 Month Certificate
$500
4.60%
▲ 1.90% above Ohio avg
▼
Rate4.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.90% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
- Oct 9, 20264.60%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$0
4.50%
▲ 1.80% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.80% above avgNationally 2.81%
Details
Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month CD
$5,000
4.50%
▲ 1.80% above Ohio avg
▼
Rate4.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.80% above avgNationally 2.81%
Details
Special; Compounding Frequency: Daily
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 8, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Certificate
$0
4.45%
▲ 1.75% above Ohio avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details
Certificates Account; Annual Percentage Rate 4.35%; Annual Percentage Yield 4.45%
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36-Month Certificate
$1,000
4.45%
▲ 1.75% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details
Advertised as high as 4.45% APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
IRA Certificate - 36-Month
$0
4.45%
▲ 1.75% above Ohio avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.45% ▲ 0.65 pts · high 4.45% / low 3.80%
- Oct 14, 20264.45%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Share Certificate - 36-Month
$0
4.45%
▲ 1.75% above Ohio avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Business Certificate Standard - ConnectMORE
$500
4.20%
▲ 1.50% above Ohio avg
▼
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
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate/IRA
$500
4.20%
▲ 1.50% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.50% above avgNationally 2.81%
Details
IRA available; Rates current as of 10/05/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Certificate
$500
4.18%
▲ 1.48% above Ohio avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.48% above avgNationally 2.81%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 9, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 36 Month
$1,000
4.15%
▲ 1.45% above Ohio avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
4.15%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 36-Month
$1,000
4.15%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 36-Month
$1,000
4.15%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36-Month CD Special
$0
4.15%
▲ 1.45% above Ohio avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details
Promotional rate available for new money only; Visit Us
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month IRA Certificate - ConnectMORE
$500
4.15%
▲ 1.45% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Standard Certificate - ConnectMORE
$500
4.15%
▲ 1.45% above Ohio avg
▼
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
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Year Certificate of Deposit
$500
4.11%
▲ 1.41% above Ohio avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.41% above avgNationally 2.81%
Details
CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
36 Month CD Special
$1,000
4.10%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Rates effective as of 09/14/2026; APY* assumes reinvestment; substantial penalty for early withdrawal
Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 4 times
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Certificate of Deposit - 36 Month Special
$1,000
4.10%
▲ 1.40% above Ohio avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Renews at the 3 Year CD term and rate.
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificate of Deposit - 36 Month Special
$1,000
4.10%
▲ 1.40% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Renews at the 3 Year IRA CD term and rate; Substantial penalty for early withdrawal on all certificate of deposits
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 36-Month
$1,000
4.10%
▲ 1.40% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
- Sep 20, 20264.10%▲ from 3.95%
- Sep 12, 20263.95%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 36-Month
$1,000
4.10%
▲ 1.40% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
- Sep 18, 20264.10%▲ from 3.95%
- Sep 12, 20263.95%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificate - 36 Months
$500
4.10%
▲ 1.40% above Ohio avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Certificate
$500
4.10%
▲ 1.40% above Ohio avg
▼
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%
- 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%
36 Month Term IRA
$250
4.10%
▲ 1.40% above Ohio avg
▼
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%
- 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%
36 Month Business Certificate Standard
$500
4.10%
▲ 1.40% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Second Chance Certificate - ConnectMORE
$500
4.10%
▲ 1.40% above Ohio avg
▼
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
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Share Certificate - 36 Months
$1,000
4.10%
▲ 1.40% above Ohio avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details
Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 180-day early withdrawal penalty
Rate History
No change since Oct 19, 2026 · 4.10% APY
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
Share Certificate - 36 months
$0
4.09%
▲ 1.39% above Ohio avg
▼
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%
- Oct 23, 20264.09%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Share Certificate
$500
4.08%
▲ 1.38% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.38% above avgNationally 2.81%
Details
Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 5, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
36 Month Jumbo Certificates +
$50,000
4.05%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details
Rates effective as of September 22, 2026
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 7 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month IRA Certificate
$500
4.05%
▲ 1.35% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Standard Certificate
$500
4.05%
▲ 1.35% above Ohio avg
▼
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
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Educational IRA 36 Months
$500
4.05%
▲ 1.35% above Ohio avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details
Compounding Frequency: Monthly
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 9, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Share Certificates of Deposit - 36 Months
$1,000
4.05%
▲ 1.35% above Ohio avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
36 Month Jumbo Certificate
$100,000
4.05%
▲ 1.35% above Ohio avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details
Dividend Rates: 3.98%; APY*: 4.05%
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate - 36 months
$1,000
4.05%
▲ 1.35% above Ohio avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details
Rate History
No change since Oct 1, 2026 · 4.05% APY · checked 3 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Jumbo Certificate - 36 months
$100,000
4.05%
▲ 1.35% above Ohio avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details
Rate History
No change since Oct 1, 2026 · 4.05% APY · checked 3 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
3 Year Rising Rate CD
$500
4.00%
▲ 1.30% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details
Year 3 APY; Minimum to Obtain: $500
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$0
4.00%
▲ 1.30% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details
Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month CD Special
$500
4.00%
▲ 1.30% above Ohio avg
▼
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
Junction City 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
IRA 48 Month Fixed Rate
$250
3.05%
▲ 0.38% above Ohio avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 0.38% above avgNationally 2.81%
Details
Minimum balance to obtain APY: $250
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
48 Month Share Certificates
$500
4.86%
▲ 2.19% above Ohio avg
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Business Certificate Standard - ConnectMORE
$500
4.25%
▲ 1.58% above Ohio avg
▼
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
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
▼
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%
- Oct 10, 20264.25%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Standard Certificate - ConnectMORE
$500
4.20%
▲ 1.53% above Ohio avg
▼
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
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 48 Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 48-Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 48-Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 20, 20264.15%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 48-Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 18, 20264.15%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificate - 48 Months
$500
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Business Certificate Standard
$500
4.15%
▲ 1.48% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Second Chance Certificate - ConnectMORE
$500
4.15%
▲ 1.48% above Ohio avg
▼
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
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Share Certificate - 48 Months
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 180-day early withdrawal penalty
Rate History
No change since Oct 19, 2026 · 4.15% APY
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
Share Certificate - 48 months
$0
4.10%
▲ 1.43% above Ohio avg
▼
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%
- 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%
48 Month Certificate
$500
4.10%
▲ 1.43% above Ohio avg
▼
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%
- 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%
48 Month Term IRA
$250
4.10%
▲ 1.43% above Ohio avg
▼
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%
- 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%
48 Month Standard Certificate
$500
4.10%
▲ 1.43% above Ohio avg
▼
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
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Educational IRA 48 Months
$500
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details
Compounding Frequency: Monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Share Certificates of Deposit - 48 Months
$1,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Jumbo Certificate
$100,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.02%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details
Dividend Rates: 4.02%; APY*: 4.10%
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate - 48 months
$1,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Jumbo Certificate - 48 months
$100,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.02%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Second Chance Certificate
$500
4.05%
▲ 1.38% above Ohio avg
▼
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
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
48 Month Certificate
$100,000
4.05%
▲ 1.38% above Ohio avg
▼
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%
- Oct 9, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
IRA 48 Month Certificate
$0
4.05%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.05% APY
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
Share Certificates - 48 Month Certificate
$0
4.05%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.81%
Details
Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 22, 20264.05%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
Share Certificate - 48 months
$0
4.00%
▲ 1.33% above Ohio avg
▼
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%
- 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%
Certificate - 48 Month
$500
4.00%
▲ 1.33% above Ohio avg
▼
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%
- Oct 10, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Individual Retirement Accounts (IRAs) - 48 Months - Jumbo
$500
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
Jumbo ($50,000+) rate and yield; Traditional and Roth IRA; rates effective July 16, 2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificates of Deposits - 48 Months - Jumbo
$0
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
Jumbo ($50,000+) Rate and Yield; A Premium is also paid on Jumbo Share Certificates
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month Certificate
$0
4.00%
▲ 1.33% above Ohio avg
▼
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
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month HSA Certificate
$0
4.00%
▲ 1.33% above Ohio avg
▼
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
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month IRA Certificate (Roth, Traditional, Education)
$0
4.00%
▲ 1.33% above Ohio avg
▼
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
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Certificate
$1,000
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
Dividend Rates: 3.93%; APY*: 4.00%
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Certificate - 48 months
$1,000
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
Rate History
No change since Oct 1, 2026 · 4.00% APY · checked 3 times
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.11%
48 Month Certificate of Deposit
$500
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
Rates effective September 22, 2026; Subject to change at any time
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.11%
48 Month Certificates of Deposit - Charm
$500
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
Rates effective September 22, 2026; Minimum $500 is required to earn dividends
Rate History
No change since Oct 19, 2026 · 4.00% APY
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Month CD
$500
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Month IRA
$1,000
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details
IRA Certificate
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
4 Year CD
$500
3.98%
▲ 1.31% above Ohio avg
▼
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%
- Sep 24, 20263.98%▲ from 2.01%
- Sep 14, 20262.01%first recorded
Your Legacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Share Certificate - 48 Months
$500
3.98%
▲ 1.31% above Ohio avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.31% above avgNationally 2.81%
Details
Compounding: Monthly; Rates Effective 10/22/2026
Rate History
1 change since Oct 15, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 22, 20263.98%▲ from 3.77%
- Oct 15, 20263.77%first recorded
Junction City 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
107 W Main St, Junction City, OH 43748
IRA 60 Month Fixed Rate
$250
3.05%
▲ 0.27% above Ohio avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 0.27% above avgNationally 2.92%
Details
Minimum balance to obtain APY: $250
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
60 Month IRA Certificates
$500
5.06%
▲ 2.28% above Ohio avg
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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%
- Oct 9, 20264.75%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
60 Month Share and IRA Jumbo Certificates
$0
4.65%
▲ 1.87% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.87% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 4.65% APY
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Executive
$0
4.60%
▲ 1.82% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details
Minimum: $100,000; APY based on minimum deposits of at least $500
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 23, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.82% above Ohio avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60%
▲ 1.82% above Ohio avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60%
▲ 1.82% above Ohio avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60%
▲ 1.82% above Ohio avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60%
▲ 1.82% above Ohio avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60%
▲ 1.82% above Ohio avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Certificate of Deposit - 60 months
$500
4.55%
▲ 1.77% above Ohio avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.77% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
- 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%
60 Month Share and IRA Certificates
$0
4.55%
▲ 1.77% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.77% above avgNationally 2.92%
Details
Rates effective August 5, 2026
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Sep 22, 20264.55%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$0
4.50%
▲ 1.72% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▲ 1.72% above avgNationally 2.92%
Details
Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
4.45%
▲ 1.67% above Ohio avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.67% above avgNationally 2.92%
Details
Certificates Account; Annual Percentage Rate 4.35%; Annual Percentage Yield 4.45%
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Business Certificate Standard - ConnectMORE
$500
4.30%
▲ 1.52% above Ohio avg
▼
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
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate/IRA
$500
4.30%
▲ 1.52% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.52% above avgNationally 2.92%
Details
IRA available; Rates current as of 10/05/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
- Oct 10, 20264.30%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 60 Month
$1,000
4.25%
▲ 1.47% above Ohio avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
4.25%
▲ 1.47% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 21, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
4.25%
▲ 1.47% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 60-Month
$1,000
4.25%
▲ 1.47% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Standard Certificate - ConnectMORE
$500
4.25%
▲ 1.47% above Ohio avg
▼
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
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 60-Month
$1,000
4.20%
▲ 1.42% above Ohio avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details
Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 20, 20264.20%▲ from 4.05%
- Sep 12, 20264.05%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 60-Month
$1,000
4.20%
▲ 1.42% above Ohio avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details
Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 18, 20264.20%▲ from 4.05%
- Sep 12, 20264.05%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificate - 60 Months
$500
4.20%
▲ 1.42% above Ohio avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Certificate
$500
4.20%
▲ 1.42% above Ohio avg
▼
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%
- 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%
60 Month Term IRA
$250
4.20%
▲ 1.42% above Ohio avg
▼
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%
- 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%
60 Month Business Certificate Standard
$500
4.20%
▲ 1.42% above Ohio avg
▼
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
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Second Chance Certificate - ConnectMORE
$500
4.20%
▲ 1.42% above Ohio avg
▼
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
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Share Certificate - 60 Months
$1,000
4.20%
▲ 1.42% above Ohio avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details
Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 180-day early withdrawal penalty
Rate History
No change since Oct 19, 2026 · 4.20% APY
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Jumbo Certificate
$100,000
4.20%
▲ 1.42% above Ohio avg
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details
Dividend Rates: 4.12%; APY*: 4.20%
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate - 60 months
$1,000
4.20%
▲ 1.42% above Ohio avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 1, 2026 · 4.20% APY · checked 3 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Jumbo Certificate - 60 months
$100,000
4.20%
▲ 1.42% above Ohio avg
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 1, 2026 · 4.20% APY · checked 3 times
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month Certificate of Deposit (CD)
$500
4.18%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.40% above avgNationally 2.92%
Details
Minimum balance to obtain APY: $500.00; APY accurate as of 10/21/2026; Early withdrawal penalties apply
Rate History
No change since Sep 19, 2026 · 4.18% APY · checked 4 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Standard Certificate
$500
4.15%
▲ 1.37% above Ohio avg
▼
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
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
Certificate - 60 Month
$500
4.15%
▲ 1.37% above Ohio avg
▼
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%
- 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%
Share Certificate - 60 months
$0
4.14%
▲ 1.36% above Ohio avg
▼
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%
- 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%
60 Month Second Chance Certificate
$500
4.10%
▲ 1.32% above Ohio avg
▼
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
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
60 Month Certificate
$100,000
4.10%
▲ 1.32% above Ohio avg
▼
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%
- 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%
60 Month Certificate
$0
4.10%
▲ 1.32% above Ohio avg
▼
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
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month HSA Certificate
$0
4.10%
▲ 1.32% above Ohio avg
▼
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
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month IRA Certificate (Roth, Traditional, Education)
$0
4.10%
▲ 1.32% above Ohio avg
▼
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
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Certificate
$1,000
4.10%
▲ 1.32% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details
Dividend Rates: 4.02%; APY*: 4.10%
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Certificate - 60 months
$1,000
4.10%
▲ 1.32% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details
Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
Your Legacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Share Certificate - 60 Months
$500
4.08%
▲ 1.30% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.30% above avgNationally 2.92%
Details
Compounding: Monthly; Rates Effective 10/22/2026
Rate History
1 change since Oct 15, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 22, 20264.08%▲ from 3.82%
- Oct 15, 20263.82%first recorded
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
60 Month Certificate
$75,000
4.07%
▲ 1.29% above Ohio avg
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.29% above avgNationally 2.92%
Details
Certificate Rates effective Friday, October 23, 2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 5, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
FNB of Blanchester
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
COD - IRA 5 Years
$1,000
4.06%
▲ 1.28% above Ohio avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.78%▲ 1.28% above avgNationally 2.92%
Details
Certificates require a $1,000.00 Minimum Deposit; Rates change each Tuesday; substantial interest penalty for early withdrawal; Rates effective Oct. 20, 2026
Rate History
1 change since Oct 20, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
- Oct 21, 20264.06%▲ from 3.91%
- Oct 20, 20263.91%first recorded
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Junction City, OH CD Rate Trends
Compare local Junction City, OH CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD OH Avg
3.151%
▼ 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
Powered byMonitorBankRates
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%
Powered by
MonitorBankRates
What Your Savings Earn at OH CD Rates Today
Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.
| CD Term | OH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.671% | $83.57 | $167.14 | $417.85 | $835.70 |
| 6-Month CD | 2.796% | $139.80 | $279.60 | $699.00 | $1,398.00 |
| 12-Month CD | 3.151% | $157.57 | $315.14 | $787.85 | $1,575.70 |
| 18-Month CD | 2.859% | $142.96 | $285.92 | $714.80 | $1,429.60 |
| 24-Month CD | 2.926% | $146.29 | $292.57 | $731.43 | $1,462.85 |
| 36-Month CD | 2.702% | $135.10 | $270.19 | $675.48 | $1,350.95 |
| 48-Month CD | 2.673% | $133.63 | $267.25 | $668.13 | $1,336.25 |
| 60-Month CD | 2.785% | $139.24 | $278.48 | $696.20 | $1,392.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Junction City, Ohio Savers
$25,000 split equally across 5 terms using today’s Ohio average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.671% | $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.
Powered byMonitorBankRates
2,153
CD Rates
Tracked in Junction City, Ohio
Tracked in Junction City, Ohio
50 Banks
97 Credit Unions
About Our Junction City, Ohio CD Rate Database
MonitorBankRates tracks 2,153 CD rates from 50 banks and 97 credit unions with locations in Junction City, 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: FNB of McConnelsville offers a CD at 3.05% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Junction City, Ohio.
How to Find the Best CD Rates in Junction City, Ohio
What to compare when shopping for a CD in Junction City, Ohio
To find the best APYs in Junction City, Ohio, start with credit unions and online-only banks: Junction City, Ohio has 97 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 Junction City, 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 Junction City, Ohio: 147 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Junction City, Ohio savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Junction City, Ohio money market rates
Ohio Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
18.3%
National avg: 17.3%
Median Individual Earnings
$44,003
National avg: $47,340
Poverty Rate
13.3%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$139/yr
At OH 12-mo avg 3.151% APY
18.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s OH 12-month CD average of 3.151%, saving 10% of the local median salary ($4,400/year) and putting it in a CD would earn an additional $139 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Junction City, 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 Junction City, 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 Junction City, 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 Junction City, Ohio as everywhere in the U.S.
Choosing a CD Term in Junction City, 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 Junction City, Ohio savers easier access to their funds. For example, Third Federal Savings and Loan is offering its 6 Month Bonus CD at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, FNB of McConnelsville is offering its IRA 60 Month Fixed Rate at 3.05% 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 Junction City, 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 Junction City, 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 Junction City, 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 Junction City, 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 Junction City, Ohio
Most CDs carry a fixed rate that is locked for the entire term, protecting a Junction City, 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 Junction City, Ohio
Are CD rates in Junction City, Ohio FDIC insured?
Yes, most established banks in Junction City, 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 Junction City, 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 Junction City, 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 Junction City, 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 Junction City, Ohio?
Here are recent top rates found for this area:
- FNB of McConnelsville: 3.05% APY (FIXED Rate 18 Month IRA)
- Vacationland Federal Credit Union: 6.03% APY (Youth Certificates - 12 Months)
- Scott Associates Credit Union: 5.06% APY (60 Month IRA Certificates)
- Seven Seventeen Credit Union: 5.00% APY (60 Month Jumbo Certificate)
- GLASS CITY: 5.00% APY (12 Month Youth CD)
- Peoples First Savings Bank: 4.91% APY (24 Month IRA (Variable))
- Fremont Federal Credit Union: 4.90% APY (Share Certificates - 60 Month)
- National Police Federal Credit Union: 4.81% APY (24-Month IRA)
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- Homeland Credit Union: 4.65% APY (60 Month Share and IRA Jumbo Certificates)
Rates reflect recent verified offers available in Junction City, Ohio. Last Updated: October 23, 2026
Junction City, 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 Junction City, 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.
CD Calculators for Junction City, Ohio
Junction City, Ohio CD Calculator
At today’s OH top rate of 3.05% APY, a $10,000 deposit earns $305 in the first year. Enter your amount to see your exact return.
Junction City, Ohio CD LadderOH 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 PenaltyBefore locking into a Junction City, Ohio CD at 3.05% 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 SavingsOhio’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 Junction City, 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 Junction City, 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 Junction City, 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
Junction City, Ohio Rates & Resources
Junction City, Ohio Mortgage Rates
Junction City, Ohio Refinance Rates
Junction City, Ohio Home Equity Loan Rates
Junction City, Ohio Savings Rates
Junction City, Ohio Money Market Rates
Junction City, Ohio Checking Rates
Junction City, Ohio Auto Loan Rates
Junction City, Ohio Personal Loan Rates
Junction City, Ohio Homeowners Insurance
Junction City, Ohio Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking