Kings Mills, Ohio Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Kings Mills, Ohio CD rates include Vacationland Federal Credit UnionVacationland Federal Credit UnionA+5.0 ★Texas Ratio: 3.71%Real return: +3.23%APY minus CPI (February 2026) offering 12 Month Youth Certificates at 6.03% APY, GLASS CITYGLASS CITYA+5.0 ★Texas Ratio: 0.76%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth CD at 5.00% APY, Childrens Medical Center Federal Credit UnionChildrens Medical Center Federal Credit UnionA+5.0 ★Texas Ratio: 1.15%Real return: +1.56%APY minus CPI (February 2026) offering 2 Year Certificate at 4.36% APY, Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 3.62%Real return: +1.54%APY minus CPI (February 2026) offering 24-Month IRA at 4.34% APY, and Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Kings Mills is a smaller community with no bank or credit union branches currently in our database. 735 institutions serving the Ohio area are available to Kings Mills residents, with CD rates as high as 6.03% APY from Vacationland Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026
Compare Best CD Rates in Kings Mills, Ohio & the Surrounding Area
Kings Mills 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 CD
$1,000
4.32%
▲ 2.28% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.28% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Certificate
$500
3.85%
▲ 1.81% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 1.81% above avg
Details
Early withdrawals subject to penalty*
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Certificate
$0
3.75%
▲ 1.71% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Share Certificates
$0
3.72%
▲ 1.68% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.04%▲ 1.68% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
3 Month Certificates
$0
3.65%
▲ 1.61% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.61% above avg
Details
Unified Bank Martins Ferry, OH
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
3 Month CD
$1,000
3.61%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.57% above avg
Details
APY = Annual Percentage Yield. The APY's are accurate as of 7/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3-Month Certificate
$0
3.55%
▲ 1.51% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.51% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
IRA Certificate - 3-Month Certificate
$0
3.55%
▲ 1.51% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.51% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificates
$500
3.50%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Certificate
$0
3.50%
▲ 1.46% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Certificate
$500
3.50%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details
Everyday APY: 3.00%
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Term IRA
$250
3.50%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
90 Day Certificate
$500
3.45%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.41% above avg
Details
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
90 Day CD
$500
3.35%
▲ 1.31% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 1.31% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Certificate
$5,000
3.35%
▲ 1.31% above national avg
▼
Rate3.31%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.31% above avg
Details
Compounding Frequency: Simple
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Regular Certificates & IRAs - 3 months
$500
3.25%
▲ 1.21% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
IRA Certificates require $100 min. to open. Dividends compound quarterly. There is a penalty for early withdrawal. You may make additional deposits to an IRA Certificate account only.
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA/ESA Share Certificates - 3 Month
$0
3.25%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA/ESA Share Certificates - 3 Month
$0
3.10%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details
TruBenefits APY
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Term IRA
$250
3.00%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Everyday APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA/ESA Share Certificates - 3 Month
$0
3.00%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Regular APY
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 Month Term Share Certificate
$500
2.93%
▲ 0.89% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.89% above avg
Details
Early Withdrawal Penalty: 3 Month Dividend; Dividend Period: Monthly
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3 Month Certificate
$500
2.89%
▲ 0.85% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.85% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Share Certificates and IRAs - 3 Months
$0
2.84%
▲ 0.80% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.80% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Share Certificates and IRAs - 3 Months
$0
2.79%
▲ 0.75% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.75% above avg
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Certificates - 3 Months ($10,000.01)
$10,000
2.78%
▲ 0.74% above national avg
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 0.74% above avg
Details
Balance: $10,000.01 - $50,000.00
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Certificates - 3 Months ($250.00)
$250
2.78%
▲ 0.74% above national avg
▼
Rate2.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 0.74% above avg
Details
Balance: $250 - $10,000.00
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Certificates - 3 Months ($50,000.01)
$50,000
2.78%
▲ 0.74% above national avg
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 0.74% above avg
Details
Balance: $50,000.01 and Over
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Share Certificates and IRAs - 3 Months
$0
2.74%
▲ 0.70% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.70% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Share Certificates and IRAs - 3 Months
$0
2.69%
▲ 0.65% above national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.65% above avg
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Regular Certificates - 3 Month
$0
2.50%
▲ 0.46% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.46% above avg
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Term Share Certificate - 3 Month
$0
2.50%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.46% above avg
Details
Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
3 Month Term Share Certificate
$2,500
2.45%
▲ 0.41% above national avg
▼
Rate2.42%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 0.41% above avg
Details
Compounding Period: Monthly
AurGroup Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Certificate
$0
2.25%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.21% above avg
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
2.15%
▲ 0.11% above national avg
▼
Rate2.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 0.11% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Penalties may be assessed for early CD & IRA withdrawals.
Kings Mills 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LorMet Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Certificate Special
$1,000
4.15%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.40% above avg
Details
Open LorMet Checking Account required.
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month Certificate
$0
4.08%
▲ 1.33% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.33% above avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Special Certificate
$500
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.30% above avg
Details
Pair a certificate special with an Ultra Checking account and earn up to 4.05% APY for 6 months. IRA eligible. Rates include a 0.10% APY increase when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. If requirements are not met, rates are 3.95% for 6 months. 6 month certificate renews to 6 month standard certificate at maturity.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.29% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6 Month Certificate
$500
4.02%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.27% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
6 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 1.25% above avg
Details
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
6 Month Certificate of Deposit Special
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 1.25% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
6 Month term
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit - 6 months
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Minimum $500.00
Ohio Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month NON-PROFIT SHARE CERTIFICATE SPECIAL
$25,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details
Promotional rate is accurate as of September 1st, 2026. Requires a minimum deposit of $25,000 in new money. APY assumes interest remains on deposit until maturity. Fees may reduce earnings on the account.
FNB of Waverly
Institution Rating:
B+4.7 ★Texas Ratio: 18.82%
6 Month Certificate Special
$1,000
3.98%
▲ 1.23% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.23% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificate - 6 Month
$0
3.96%
▲ 1.21% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.21% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificates - 6 Month
$0
3.96%
▲ 1.21% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.21% above avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
APY with Bonus Rate: 4.05%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special - 6 months
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Highlighted rows are current specials.
Ohio Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month SHARE CERTIFICATE SPECIAL
$500
3.95%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
Promotional rate is accurate as of September 1, 2026. The promotion is available through September 30, 2026. APY assumes interest remains on deposit until maturity. Fees may reduce earnings on account.
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$500
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.17% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
6 Month Certificate
$500
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificate
$500
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Everyday APY: 3.40%
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Term IRA
$250
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month Certificate
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Month CD
$500
3.90%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
6 Month Special Certificate of Deposit
$1,000
3.87%
▲ 1.12% above national avg
▼
Rate3.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.12% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Certificates
$500
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 Month Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Month CD
$500
3.82%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.07% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Share Certificates
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.07% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
6 Month IRA Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
6 Month Share Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Champion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.74%
6 Month CD
$500
3.81%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.06% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
The Wilmington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month CD
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates - 6 months
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
FIRELANDS
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
6 Month Share Certificate
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month CD
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details
Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Ohio State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6-month CD
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month IRA
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
6 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Kings Mills 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$500
6.03%
▲ 3.11% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 3.11% above avg
Details
Age: 19
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$500
5.93%
▲ 3.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 3.01% above avg
Details
Age: 18
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$500
5.82%
▲ 2.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.90% above avg
Details
Age: 17
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$500
5.72%
▲ 2.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.80% above avg
Details
Age: 16
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$500
5.62%
▲ 2.70% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.70% above avg
Details
Age: 15
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$500
5.51%
▲ 2.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.59% above avg
Details
Age: 14
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$500
5.41%
▲ 2.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.49% above avg
Details
Age: 13
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
5.30%
▲ 2.38% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.38% above avg
Details
Age: 12
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
5.20%
▲ 2.28% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.28% above avg
Details
Age: 11
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
5.10%
▲ 2.18% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.18% above avg
Details
Age: 10
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12 Month Youth CD
$100
5.00%
▲ 2.08% above national avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.08% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.99%
▲ 2.07% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.07% above avg
Details
Age: 9
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.88%
▲ 1.96% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.96% above avg
Details
Age: 8
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.78%
▲ 1.86% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.86% above avg
Details
Age: 7
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.68%
▲ 1.76% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.76% above avg
Details
Age: 6
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.58%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.66% above avg
Details
Age: 5
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.47%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.55% above avg
Details
Age: 4
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.37%
▲ 1.45% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.45% above avg
Details
Age: 3
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1 Year Certificate
$500
4.31%
▲ 1.39% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.39% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
12 Month Certificate
$500
4.30%
▲ 1.38% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.38% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.27%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.35% above avg
Details
Age: 2
United Midwest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6-12 Month CD
$0
4.25%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.92%▲ 1.33% above avg
Details
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Maturity
$1,000
4.25%
▲ 1.33% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Dividends are paid at maturity. Additional deposits are not allowed. Available terms may vary. No early withdrawals without a penalty.
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.16%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.24% above avg
Details
Age: 1
Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
12 Month Certificate
$0
4.10%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
IRA Share Certificates - 12 Month
$0
4.10%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12-Month IRA
$0
4.08%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.16% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Youth Certificates
$100
4.06%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
Age: 0
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
12 Month Certificate
$0
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$0
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificate - 12 Month
$0
4.05%
▲ 1.13% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificates - 12 Month
$0
4.05%
▲ 1.13% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 month CD
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Certificates of Deposit - 12 Month
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 1.08% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
12 Month term
$0
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit - 12 months
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Minimum $500.00
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
12 Month Grow & Go Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month Certificate
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
OUCU Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Easy Save IRA Certificate - 12 month
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Compounding: Quarterly
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
NEW MONEY GenGrow 12-month CD
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
1
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates - 12 months
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Bump one time**
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12-Month Certificate
$0
3.93%
▲ 1.01% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.01% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IRA Certificate - 12-Month
$0
3.93%
▲ 1.01% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.01% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month Share Certificates
$0
3.92%
▲ 1.00% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.00% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month Certificate
$500
3.90%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
Everyday APY: 3.40%
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month Term IRA
$250
3.90%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
12 Month Certificate
$500
3.85%
▲ 0.93% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.93% above avg
Details
SPECIAL
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
12 Month IRA Certificate SPECIAL
$500
3.85%
▲ 0.93% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.93% above avg
Details
Kings Mills 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Certificate
$500
4.31%
▲ 1.49% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.49% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month Certificate
$0
4.15%
▲ 1.33% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18-Month Certificate
$1,000
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificate - 18 Month
$0
4.11%
▲ 1.29% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.29% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificates - 18 Month
$0
4.11%
▲ 1.29% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.29% above avg
Details
DayMet Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
18 Month Certificate
$1,000
4.05%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.23% above avg
Details
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
18 Month CD
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
18-Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
IRA Certificate - 18-Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 Month Certificate
$500
3.97%
▲ 1.15% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.15% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
18 Month Print Share and IRA Jumbo Certificates
$0
3.95%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates - 18 months
$1,000
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details
Bump one time**
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18 Month Regular Certificates
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 18-Month
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates - 18-Month
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Regular Certificates - 18-Month
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
18 Month Certificate
$500
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.05% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit - 18 months
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Minimum $500.00
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
18 Month Print Share and IRA Certificates
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
18 Month Share and IRA Certificates
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates - 18 months
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Bump one time**
First National Bank in New Bremen
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month CD
$500
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 1.00% above avg
Details
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
18 Month Certificate
$500
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.98% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Certificates
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
Add-On Traditional or Roth IRA - 18 Month Fixed Rate - $100
$0
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
Add-On Traditional or Roth IRA - 18 Month Fixed Rate - $100,000
$0
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Certificate
$100,000
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
18 Months Term Certificate
$1,000
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.94% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Term Certificates - 18 Months
$1,000
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.94% above avg
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month Certificate Special
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.82%▲ 0.93% above avg
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month Special
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.82%▲ 0.93% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
18 Month Jumbo Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Special Jumbo Certificate Bonus: Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+.
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Month Share Certificates of Deposit
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Roth IRA Certificate - 18 Months
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Traditional IRA Certificate - 18 Months
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
18 Month Certificate
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Share Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$500
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.82%▲ 0.88% above avg
Details
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Certificate
$1,000
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Interest Compounding & Crediting Frequency: Monthly
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-month CD
$1,000
3.70%
▲ 0.88% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
APY effective July 20, 2026. Interest compounds monthly. Fees may reduce earnings. RENEWABLE.
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
18 Month Certificate
$5,000
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Compounding Frequency: Quarterly
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
18 Month Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Certificate
$500
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
18 Month Certificate/IRA
$500
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Impact Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 Month Share Certificate Accounts
$500
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.85% above avg
Details
Dividends Compounded & Paid: Quarterly
Impact Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificate Accounts - 18 months
$500
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.85% above avg
Details
Dividends Compounded & Paid: Quarterly
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
18 Month Certificate
$0
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.85% above avg
Details
Your Legacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Share Certificates - 18 Months
$500
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.84% above avg
Details
Compounding Frequency: Monthly
Kings Mills 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2 Year Certificate
$500
4.36%
▲ 1.52% above national avg
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.52% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.50% above avg
Details
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
24 Month IRA (Variable)
$100
4.29%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 1.45% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificate - 24 Month
$0
4.16%
▲ 1.32% above national avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.32% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificates - 24 Month
$0
4.16%
▲ 1.32% above national avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.32% above avg
Details
DayMet Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
24 Month Certificate
$1,000
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Share Certificates
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.24% above avg
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Certificate
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.22% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Jumbo Certificates + - 24 month
$50,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
24 Month Print Share and IRA Jumbo Certificates
$0
4.04%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.20% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month CD Special
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
**
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Certificates
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
2-Year Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
2-Year Jumbo Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
IRA Certificate - 2-Year Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
IRA Jumbo Certificate - 2-Year
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates - 24 months
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates - 24 months
$100,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Bump one time**
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
24 Month Print Share and IRA Certificates
$0
3.94%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.10% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
24 Month Share and IRA Certificates
$0
3.94%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.10% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24 Month Regular Certificates
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.06% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 24-Month
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.06% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates - 24-Month
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.06% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Regular Certificates - 24-Month
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.06% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates - 24 months
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Bump one time**
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
24 Month Certificate
$500
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
24 Month Youth Certificate
$100
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Must be under 18 years of age
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Certificate Special
$5,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Compounding Frequency: Daily
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit - 24 months
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Minimum $500.00
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
24 Month Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
24 Month Certificate
$100,000
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
24 Month Share Certificates of Deposit
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
24 Month Youth Club Share Certificate
$250
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Educational IRA - 24 Months
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Roth IRA Certificate - 24 Months
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Traditional IRA Certificate - 24 Months
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
24 Month Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
IRA Certificate - 24 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates Minimum - 24 months
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
$500
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
24 Month Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.96% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24 Month Add-On Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.96% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 24-Month Add-On
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.96% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates - 24-Month Add-On
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.96% above avg
Details
Add-On
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Regular Certificates - 24-Month Add-On
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Kings Mills 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificate - 36 Month
$0
4.26%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.49% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificates - 36 Month
$0
4.26%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.49% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
36 Month Jumbo Certificate
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
Special Jumbo Certificate Bonus: Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Share Certificates
$0
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.36% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3 Year Certificate
$500
4.11%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.34% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Jumbo Certificates + - 36 month
$50,000
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
DayMet Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
36 Month Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates - 36 months
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates - 36 months
$100,000
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month CD Special
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.77%▲ 1.23% above avg
Details
**
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Certificates
$500
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
36 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
36 Month Jumbo Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Special Jumbo Certificate Bonus: Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+.
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
36 Month CD
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
36 Month IRA
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
36 Month Regular Certificates
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.18% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 36-Month
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.18% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates - 36-Month
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.18% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Regular Certificates - 36-Month
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.18% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Month Share Certificates of Deposit
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Educational IRA - 36 Months
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Roth IRA Certificate - 36 Months
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Traditional IRA Certificate - 36 Months
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates - 36 months
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month Certificates
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month Certificate
$100,000
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
36 Month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
IRA Certificate - 36 Month
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
36 Month Certificate
$500
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.10% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month Certificate
$5,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Compounding Frequency: Daily
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
36 Month Certificate
$500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificates - 36 Month
$500
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.04% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Share Certificates - 36 Month
$500
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.04% above avg
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
36 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Everyday APY: 3.30%
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Term IRA
$250
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
36 Months CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Cincinnati Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
36 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36-Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IRA Certificate - 36-Month
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month Certificate/IRA
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
36 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month IRA Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Share Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
36 MONTH CERTIFICATE
$75,000
3.76%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 36 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Kings Mills 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificate - 48 Month
$0
4.31%
▲ 1.53% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.53% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificates - 48 Month
$0
4.31%
▲ 1.53% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.53% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
48 Month Print Share and IRA Jumbo Certificates
$0
4.12%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.34% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates - 48 months
$1,000
4.10%
▲ 1.32% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.32% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates - 48 months
$100,000
4.10%
▲ 1.32% above national avg
▼
Rate4.02%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.32% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
48 Month Print Share and IRA Certificates
$0
4.02%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.24% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
48 Month Share and IRA Certificates
$0
4.02%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.24% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
48 Month Regular Certificates
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 48-Month
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates - 48-Month
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Regular Certificates - 48-Month
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Share Certificates of Deposit
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Educational IRA - 48 Months
$500
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Roth IRA Certificate - 48 Months
$500
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Traditional IRA Certificate - 48 Months
$500
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates - 48 months
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
48 Month Certificate
$500
4.00%
▲ 1.22% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month CD
$500
4.00%
▲ 1.22% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA
$1,000
4.00%
▲ 1.22% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificates - 48 Month
$500
3.97%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.19% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Share Certificates - 48 Month
$500
3.97%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.19% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificates
$0
3.95%
▲ 1.17% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificate
$100,000
3.95%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
48 Month Certificate
$500
3.92%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.14% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
48 Months CD
$500
3.90%
▲ 1.12% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
48 Month Certificate
$5,000
3.85%
▲ 1.07% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Compounding Frequency: Daily
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Certificate
$500
3.85%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Everyday APY: 3.35%
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Term IRA
$250
3.85%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificate
$500
3.85%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
48 Month Certificate
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Share Certificate
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Certificate
$0
3.80%
▲ 1.02% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
48-Month Certificate
$0
3.80%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IRA Certificate - 48-Month
$0
3.80%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 Month Certificate/IRA
$500
3.80%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
Your Legacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Share Certificates - 48 Months
$500
3.77%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.99% above avg
Details
Compounding Frequency: Monthly
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificates of Deposit
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 48 Month
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
48 Month Certificate
$500
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$500
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 48 Month Certificate of Deposit
$0
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Traditional, Roth, Educational
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
48 Month Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
DayMet Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
48 Month Certificate
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
48 Month IRA Certificate
$0
3.72%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.94% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
48 Month Share Certificate
$0
3.72%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.94% above avg
Details
Universal 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
48 Month Certificate
$0
3.71%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.93% above avg
Details
Universal 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
48 Month IRA Certificate
$1,000
3.71%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.93% above avg
Details
IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.
Kings Mills 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificate - 60 Month
$0
4.31%
▲ 1.45% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.45% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Share Certificates - 60 Month
$0
4.31%
▲ 1.45% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.45% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates - 60 months
$1,000
4.20%
▲ 1.34% above national avg
▼
Rate4.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates - 60 months
$100,000
4.20%
▲ 1.34% above national avg
▼
Rate4.12%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month CD
$500
4.18%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.86%▲ 1.32% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificates - 60 Month
$500
4.18%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.32% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Share Certificates - 60 Month
$500
4.18%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.32% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
60 Month Print Share and IRA Jumbo Certificates
$0
4.14%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.28% above avg
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
IRA Share Certificate (5 Year)
$0
4.11%
▲ 1.25% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.25% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
5 Year Certificate
$500
4.11%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.25% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates - 60 months
$1,000
4.10%
▲ 1.24% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
60 Month Regular Certificates
$1,000
4.05%
▲ 1.19% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 60-Month
$1,000
4.05%
▲ 1.19% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates - 60-Month
$1,000
4.05%
▲ 1.19% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Regular Certificates - 60-Month
$1,000
4.05%
▲ 1.19% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.19% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Month Jumbo Certificate
$0
4.05%
▲ 1.19% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details
Special Jumbo Certificate Bonus: Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+.
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month IRA Certificate
$0
4.05%
▲ 1.19% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Share Certificate
$0
4.05%
▲ 1.19% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
60 Month Print Share and IRA Certificates
$0
4.04%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.18% above avg
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
60 Month Share and IRA Certificates
$0
4.04%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.18% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
5 Year Certificate
$500
4.02%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.16% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
60 Month Certificate
$500
4.00%
▲ 1.14% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
60 Month Certificates
$0
4.00%
▲ 1.14% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
60 Months CD
$500
4.00%
▲ 1.14% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
60 Month Certificate
$100,000
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
60 Month Certificate
$500
4.00%
▲ 1.14% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
60 Month Certificate
$500
3.97%
▲ 1.11% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.11% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
60 Month Certificate
$500
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
60 Month Certificate
$5,000
3.85%
▲ 0.99% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Compounding Frequency: Daily
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
60 Month Certificate
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 Month Certificate/IRA
$500
3.85%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Month Certificate
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Your Legacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Share Certificates - 60 Months
$500
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.96% above avg
Details
Compounding Frequency: Monthly
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
60 Month Certificates of Deposit (Regular & IRAs)
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
60 Month IRA Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
60 Month Share Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Month Certificate
$500
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Month Jumbo Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Special Jumbo Certificate Bonus: Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+.
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Certificate
$500
3.80%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Everyday APY: 3.30%
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Term IRA
$250
3.80%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificates of Deposit
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 60 Month
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$500
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 60 Month Certificate of Deposit
$0
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Traditional, Roth, Educational
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Month Certificate
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
DayMet Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
60 Month Certificate
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Kings Mills, OH CD Rate Trends
Compare local Kings Mills, OH CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD OH Avg
2.921%
▲ 0.081 vs 7 days ago
Ohio 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD OH Avg
2.746%
▲ 0.076 vs 7 days ago
Ohio 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OH CD Rate Forecast, Next 12 Months
Where are Ohio CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OH 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
Powered by
MonitorBankRates
What Your Savings Earn at OH CD Rates Today
Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.
| CD Term | OH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
Sample CD Ladder for Kings Mills, Ohio Savers
$25,000 split equally across 5 terms using today’s Ohio average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/yr | |
Ladder example uses equal $5,000 rungs and Ohio average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,496
CD Rates
Tracked in Kings Mills, Ohio
Tracked in Kings Mills, Ohio
38 Banks
91 Credit Unions
About Our Kings Mills, Ohio CD Rate Database
MonitorBankRates tracks 1,496 CD rates from 38 banks and 91 credit unions with locations in Kings Mills, Ohio, plus national online institutions available to Ohio residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Vacationland Federal Credit Union offers a CD at 6.03% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Kings Mills, Ohio.
How to Find the Best CD Rates in Kings Mills, Ohio
What to compare when shopping for a CD in Kings Mills, Ohio
To find the best APYs in Kings Mills, Ohio, start with credit unions and online-only banks: Kings Mills, Ohio has 91 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 Kings Mills, 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 Kings Mills, Ohio: 129 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Kings Mills, 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 Kings Mills, Ohio money market rates
Kings Mills, Ohio Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
8.3%
National avg: 17.3%
Median Individual Earnings
$48,258
National avg: $47,340
Poverty Rate
19.1%
National avg: 11.1%
Unemployment Rate
2.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$141/yr
At OH 12-mo avg 2.921% APY
8.3% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.0% reflects a strong local economy. At today’s OH 12-month CD average of 2.921%, saving 10% of the local median salary ($4,825/year) and putting it in a CD would earn an additional $141 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 Kings Mills, Ohio
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Kings Mills, 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 Kings Mills, 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 Kings Mills, Ohio as everywhere in the U.S.
Choosing a CD Term in Kings Mills, 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 Kings Mills, Ohio savers easier access to their funds. For example, LorMet Community Federal Credit Union is offering its 6 Month Certificate Special at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Fremont Federal Credit Union is offering its Share Certificate - 60 Month at 4.31% 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 Kings Mills, 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 Kings Mills, 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 Kings Mills, 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 Kings Mills, 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 Kings Mills, Ohio
Most CDs carry a fixed rate that is locked for the entire term, protecting a Kings Mills, 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 Kings Mills, Ohio
Are CD rates in Kings Mills, Ohio FDIC insured?
Yes, most established banks in Kings Mills, 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 Kings Mills, 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 Kings Mills, 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 Kings Mills, 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 Kings Mills, Ohio?
Here are recent top rates found for this area:
- Vacationland Federal Credit Union: 6.03% APY (12 Month Youth Certificates)
- GLASS CITY: 5.00% APY (12 Month Youth CD)
- Childrens Medical Center Federal Credit Union: 4.36% APY (2 Year Certificate)
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Fremont Federal Credit Union: 4.31% APY (Share Certificate - 48 Month)
- First Bank of Central Ohio: 4.30% APY (12 Month Certificate)
- Peoples First Savings Bank: 4.29% APY (24 Month IRA (Variable))
- Crescent Bank: 4.25% APY (24-month CD)
- United Midwest Savings Bank: 4.25% APY (6-12 Month CD)
Rates reflect recent verified offers available in Kings Mills, Ohio. Last Updated: September 16, 2026
Kings Mills, 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 Kings Mills, Ohio rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Kings Mills, Ohio
Kings Mills, Ohio CD Calculator
At today’s OH top rate of 6.03% APY, a $10,000 deposit earns $603 in the first year. Enter your amount to see your exact return.
Kings Mills, Ohio CD LadderOH CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kings Mills, Ohio CD at 6.03% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOhio’s average 12-month CD is 2.921% 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 Kings Mills, 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 Kings Mills, 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 Kings Mills, Ohio. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 16, 2026
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