Current Powell, Ohio CD rates include Bridge Credit UnionBridge Credit Union10567 Sawmill Pkwy, Powell, OH 43065 6672A+5.0 ★Texas Ratio: 2.02%Real return: +1.05%APY minus CPI (February 2026) offering Certificates Promo 18 Months at 3.85% APY, First Commonwealth BankFirst Commonwealth Bank10149 Brewster Ln, Powell, OH 43065A+5.0 ★Texas Ratio: 4.20%Real return: +0.90%APY minus CPI (February 2026) offering 6 Month CD at 3.70% APY, Kemba Financial Credit UnionKemba Financial Credit Union4078 Powell Rd, Powell, OH 43065A+5.0 ★Texas Ratio: 3.84%Real return: +0.70%APY minus CPI (February 2026) offering 3 Month Certificate KEMBA Advantage at 3.50% APY, GLASS CITYGLASS CITYA+5.0 ★Texas Ratio: 2.83%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth CD at 5.00% APY, and Materion Federal Credit UnionMaterion Federal Credit UnionA+5.0 ★Texas Ratio: 0.28%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Powell has 51 local institutions in our database, with CD rates as high as 3.85% APY from Bridge Credit Union at 10567 Sawmill Pkwy, Powell, OH 43065 6672. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Ohio area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
KEMBA Advantage APY
Everyday APY
Limited time offer
$50,000 & Over
$1,000 - $49,999
Over $50,000
A penalty may be imposed for early withdrawal.
$500 - $14,999.99
Open Online
$10,000
Relationship Bonus
CD or IRA Offer
KEMBA Advantage APY
ConnectMORE APY*
ConnectMORE APY*
Everyday APY*
Everyday APY*
Everyday APY
Penalty: 90 days
$2,500 minimum opening balance. Penalty imposed for early withdrawal. Rates subject to change. Interest compounds monthly. Fees may reduce earnings. RENEWABLE. APY effective January 13, 2026. Member FDIC.
$100,000 and greater
ON BALANCES $100,000+
Over $50,000
ConnectMORE APY*
ConnectMORE APY*
ConnectMORE APY*
CD or IRA Offer
ConnectMORE APY*
Everyday APY*
Everyday APY*
Everyday APY*
Everyday APY*
KEMBA Advantage APY
Everyday APY
Penalty: 90 days
Deposit limits are a minimum of $250 and a maximum of $1,000 .
Rates for $25,000 new fund maximum or funds already on deposit
RATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT**
Minimum Deposit $300. Dividends Paid Monthly
A penalty will be imposed for early withdrawal.
More Than $100,000
A penalty will be imposed for early withdrawal.
ConnectMORE APY*
Everyday APY*
ConnectMORE APY*
ConnectMORE APY*
Everyday APY*
Everyday APY*
CD or IRA Offer
Over $50,000
RATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT**
Rates for $25,000 new fund maximum or funds already on deposit
Save more when you move at least $500 from another financial institution.
More Than $100,000
$500 - $14,999.99
Minimum deposit of $500 required.
Minimum deposit of $500 required.
Bump one time
ConnectMORE APY*
ConnectMORE APY*
KEMBA Advantage APY
ConnectMORE APY*
ConnectMORE APY*
Everyday APY*
Everyday APY*
Everyday APY*
KEMBA Advantage APY
Everyday APY*
Everyday APY
Everyday APY
$500
Minimum Deposit $300. Dividends Paid Monthly
More Than $100,000
Minimum deposit of $500 required.
Minimum deposit of $500 required.
RATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT**
Rates for $25,000 new fund maximum or funds already on deposit
Over $50,000
KEMBA Advantage APY
ConnectMORE APY*
ConnectMORE APY*
ConnectMORE APY*
ConnectMORE APY*
Everyday APY*
Everyday APY*
Everyday APY*
Everyday APY*
Everyday APY
Minimum deposit of $500 required.
Minimum deposit of $500 required.
Minimum Deposit $300. Dividends Paid Monthly
More Than $100,000
Over $50,000
KEMBA Advantage APY
ConnectMORE APY*
ConnectMORE APY*
ConnectMORE APY*
Everyday APY*
Everyday APY*
Everyday APY*
Everyday APY
Minimum deposit of $500 required.
Minimum deposit of $500 required.
More Than $100,000
Traditional, Roth, Educational
$500 minimum
Over $50,000
KEMBA Advantage APY
ConnectMORE APY*
ConnectMORE APY*
ConnectMORE APY*
Everyday APY*
Everyday APY*
Everyday APY*
Everyday APY
Minimum deposit of $500 required.
Minimum deposit of $500 required.
More Than $100,000
Traditional, Roth, Educational
$500 minimum
Minimum Deposit $300. Dividends Paid Monthly
What to know about CD rates in Powell, Ohio at a glance.
Compare local Powell, 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.
Ohio 12-month CD rates rose 0.119 points over the past 7 days to 2.969% APY.
Ohio 6-month CD rates rose 0.127 points over the past 7 days to 2.762% APY.
Where are Ohio CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.115% | $105.76 | $211.52 | $528.80 | $1,057.60 |
| 6-Month CD | 2.762% | $138.10 | $276.20 | $690.50 | $1,381.00 |
| 12-Month CD | 2.969% | $148.44 | $296.88 | $742.20 | $1,484.40 |
| 18-Month CD | 2.758% | $137.89 | $275.78 | $689.45 | $1,378.90 |
| 24-Month CD | 2.914% | $145.71 | $291.41 | $728.53 | $1,457.05 |
| 36-Month CD | 2.829% | $141.45 | $282.89 | $707.23 | $1,414.45 |
| 48-Month CD | 2.799% | $139.95 | $279.90 | $699.75 | $1,399.50 |
| 60-Month CD | 2.803% | $140.13 | $280.25 | $700.63 | $1,401.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
$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 | 2.115% | $105.76 |
| 2 | 6-Month CD | $5,000 | 2.762% | $138.10 |
| 3 | 12-Month CD | $5,000 | 2.969% | $148.44 |
| 4 | 24-Month CD | $5,000 | 2.914% | $145.71 |
| 5 | 36-Month CD | $5,000 | 2.829% | $141.45 |
| Total ($25,000 invested) | $25,000 | 2.718% blended | $679.46/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.
MonitorBankRates tracks 1,132 CD rates from 59 banks and 86 credit unions with locations in Powell, 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: Bridge Credit Union offers a CD at 3.85% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Powell, Ohio.
What to compare when shopping for a CD in Powell, Ohio
To find the best APYs in Powell, Ohio, start with credit unions and online-only banks — Powell, Ohio has 86 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
17.6% of residents are 65 or older, in line with 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 2.969%, saving 10% of the local median salary ($10,739/year) and putting it in a CD would earn an additional $319 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
At today’s OH top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.
Powell, Ohio CD LadderOH CD rates currently range from 2.115% (3-month) to 2.829% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Powell, Ohio CD at 3.85% 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 2.969% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Powell, 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 pulling data straight 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 Powell, 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.