Current Tiltonsville, Ohio CD rates include Unified Bank Martins Ferry, OHUnified Bank Martins Ferry, OH303 Walden Ave, Tiltonsville, OH 43963A+5.0 ★Texas Ratio: 5.93%Real return: +0.81%APY minus CPI (February 2026) offering 3 Month at 3.61% APY, GLASS CITYGLASS CITYA+5.0 ★Texas Ratio: 3.10%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: 0.57%Real return: +1.56%APY minus CPI (February 2026) offering 2 year Certificate of Deposit at 4.36% APY, CLEVELAND SELFRELIANCECLEVELAND SELFRELIANCEA5.0 ★Texas Ratio: 0.01%Real return: +1.51%APY minus CPI (February 2026) offering 24 Months at 4.31% APY, and Fremont Federal Credit UnionFremont Federal Credit UnionA+5.0 ★Texas Ratio: 3.46%Real return: +1.41%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.21% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Tiltonsville has 1 local institution in our database, with CD rates as high as 3.61% APY from Unified Bank Martins Ferry, OH at 303 Walden Ave, Tiltonsville, OH 43963. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Ohio area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
APY = Annual Percentage Yield. The APY's are accurate as of 4/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. $1,000 minimum needed to earn the listed APY. Please contact us at 888.275.5566 for current rate information.
Everyday APY: 3.00%
Minimum amount to open a share certificate is $500.
Open Online
Relationship Bump-up
Relationship Bump-up Interest Rate: 0.65% APY
Open Online
RA
Relationship Bonus APY: 0.15%, Relationship Bonus Rate: 0.15%, Compounding Frequency: Quarterly
Only available June 8-26. Requires a minimum of $50,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
Compound Method: Simple; Early Withdraw Penalty: 3 Months Interest
Everyday APY: 3.40%
APYE = Annual Percentage Yield Earned. Rates subject to change
*APY = Annual Percentage Yield. Offers subject to creditworthiness and to Achieve CU membership eligibility.
Penalty: 90 days; Frequency of Compounding: Daily
Interest compounds monthly. Fees may reduce earnings. RENEWABLE. APY effective January 13, 2026. Member FDIC.
RA
Compounding Frequency: Monthly
A penalty will be imposed for early withdrawal.
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
Penalty: 90 days; Frequency of Compounding: Daily
Everyday APY: 3.40%
APYE = Annual Percentage Yield Earned. Rates subject to change
A penalty will be imposed for early withdrawal.
Bump one time**
Compound Method: Simple; Early Withdraw Penalty: 6 Months Interest
Bonus rate: Plus Age
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
APYE = Annual Percentage Yield Earned. Rates subject to change
Bump one time**
Bump one time
Bump one time**
Limited Time CD Special!
Silver: 3.90% APY, Gold: 3.95% APY, Platinum: 4.00% APY
Limited Time CD Special!
Limited time offer. New money only. Alero Financial membership required.
Compounding Frequency: Monthly
As high as; Dividends paid monthly.
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
APYE = Annual Percentage Yield Earned. Rates subject to change
Bump one time
Bump one time**
$500
Bump one time**
Everyday APY: 3.30%
Bump one time
Compounding Frequency: Monthly
Silver Rate: 3.73%, Silver APY: 3.80%, Gold Rate: 3.78%, Gold APY: 3.85%, Platinum Rate: 3.83%, Platinum APY: 3.90%
Silver: 3.80% APY, Gold: 3.85% APY, Platinum: 3.90% APY
Everyday APY: 3.15%
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
APYE = Annual Percentage Yield Earned. Rates subject to change
Everyday APY: 3.30%
Compounding Frequency: Monthly
A penalty will be imposed for early withdrawal.
Silver Rate: 3.64%, Silver APY: 3.70%, Gold Rate: 3.69%, Gold APY: 3.75%, Platinum Rate: 3.73%, Platinum APY: 3.80%
Silver: 3.70% APY, Gold: 3.75% APY, Platinum: 3.80% APY
As high as; Dividends paid monthly.
Traditional, Roth, Educational
APYE = Annual Percentage Yield Earned. Rates subject to change
Everyday APY: 3.35%
Compounding Frequency: Monthly
Traditional, Roth, Educational
Silver Rate: 3.54%, Silver APY: 3.60%, Gold Rate: 3.59%, Gold APY: 3.65%, Platinum Rate: 3.64%, Platinum APY: 3.70%
Silver: 3.60% APY, Gold: 3.65% APY, Platinum: 3.70% APY
A penalty will be imposed for early withdrawal.
APYE = Annual Percentage Yield Earned. Rates subject to change
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
Compounding Frequency: Monthly
Everyday APY: 3.30%
Traditional, Roth, Educational
Annual Percentage Yield. The minimum balance required to open and maintain this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. There is a penalty for early withdrawal and the yield, terms, and conditions are subject to change without notice. The annual percentage yield is accurate as of February 2, 2026
A penalty will be imposed for early withdrawal.
Silver Rate: 3.44%, Silver APY: 3.50%, Gold Rate: 3.49%, Gold APY: 3.55%, Platinum Rate: 3.54%, Platinum APY: 3.60%
Silver: 3.50% APY, Gold: 3.55% APY, Platinum: 3.60% APY
Compare local Tiltonsville, 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 fell 0.203 points over the past 7 days to 2.796% APY.
Ohio 6-month CD rates fell 0.193 points over the past 7 days to 2.514% APY.
Where are Ohio CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.
| CD Term | OH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.992% | $99.58 | $199.16 | $497.90 | $995.80 |
| 6-Month CD | 2.514% | $125.71 | $251.42 | $628.55 | $1,257.10 |
| 12-Month CD | 2.796% | $139.80 | $279.59 | $698.98 | $1,397.95 |
| 18-Month CD | 2.629% | $131.45 | $262.90 | $657.25 | $1,314.50 |
| 24-Month CD | 2.758% | $137.88 | $275.75 | $689.38 | $1,378.75 |
| 36-Month CD | 2.596% | $129.80 | $259.59 | $648.98 | $1,297.95 |
| 48-Month CD | 2.561% | $128.03 | $256.06 | $640.15 | $1,280.30 |
| 60-Month CD | 2.652% | $132.62 | $265.24 | $663.10 | $1,326.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 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 | 1.992% | $99.58 |
| 2 | 6-Month CD | $5,000 | 2.514% | $125.71 |
| 3 | 12-Month CD | $5,000 | 2.796% | $139.80 |
| 4 | 24-Month CD | $5,000 | 2.758% | $137.88 |
| 5 | 36-Month CD | $5,000 | 2.596% | $129.80 |
| Total ($25,000 invested) | $25,000 | 2.531% blended | $632.77/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 842 CD rates from 55 banks and 64 credit unions with locations in Tiltonsville, 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: Unified Bank Martins Ferry, OH offers a CD at 3.61% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Tiltonsville, Ohio.
What to compare when shopping for a CD in Tiltonsville, Ohio
To find the best APYs in Tiltonsville, Ohio, start with credit unions and online-only banks — Tiltonsville, Ohio has 64 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
19.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s OH 12-month CD average of 2.796%, saving 10% of the local median salary ($3,595/year) and putting it in a CD would earn an additional $101 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 |
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 Tiltonsville, 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 Tiltonsville, Ohio as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Tiltonsville, Ohio savers easier access to their funds. For example, LCE Federal Credit Union is offering its 6 Month at 4.16% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Fremont Federal Credit Union is offering its 60 Month Regular/IRA at 4.21% 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.
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 Tiltonsville, 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.
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 Tiltonsville, Ohio CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tiltonsville, 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.
At today’s OH top rate of 3.61% APY, a $10,000 deposit earns $361 in the first year. Enter your amount to see your exact return.
Tiltonsville, Ohio CD LadderOH CD rates currently range from 1.992% (3-month) to 2.596% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tiltonsville, Ohio CD at 3.61% 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 2.796% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tiltonsville, 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 Tiltonsville, 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 Tiltonsville, 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.