What are the best CD rates in Cincinnati, Ohio?

Here are recent top rates found for this area: General Electric Credit Union : 4.99% APY (6-month intro) Childrens Medical Center Federal Credit Union : 4.36% APY (2 year Certificate) CF Bank : 4.00% APY (12 Month Certificate) Kemba Credit Union : 4.00% APY (60 Month Certificates) Republic Bank & Trust Company : 3.90% APY (6 Month Certificates of Deposit) St James Parish Credit Union : 3.82% APY (12 Months Term Certificate) Greater Cincinnati School Credit Union : 3.82% APY (1 Year Diamond Club Certificates) Cinfed Federal Credit Union : 3.80% APY (48 Month Certificate) CINCINNATI OHIO POLICE : 3.70% APY (1 Year Certificate) Postal Family Credit Union : 3.61% APY (60 Month Share Certificate)

A CD ladder involves opening multiple CDs with staggered maturity dates, for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

MonitorBankRates

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Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

iAdvertiser Disclosure CD Rate Trends

Cincinnati, Ohio Best CD Rates September 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty, often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Cincinnati, Ohio.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: September 22, 2026

Current Cincinnati, Ohio CD rates include General Electric Credit UnionGeneral Electric Credit Union10485 Reading Rd, Cincinnati, OH 45241 2523A5.0 ★Texas Ratio: 6.01%Real return: +2.19%APY minus CPI (February 2026) offering 6-month intro at 4.99% APY, Childrens Medical Center Federal Credit UnionChildrens Medical Center Federal Credit Union3333 Burnet Ave, Cincinnati, OH 45229 3026A+5.0 ★Texas Ratio: 1.15%Real return: +1.56%APY minus CPI (February 2026) offering 2 year Certificate at 4.36% APY, CF BankCF Bank10300 Alliance Rd, Cincinnati, OH 45242A5.0 ★Texas Ratio: 8.47%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate at 4.00% APY, Kemba Credit UnionKemba Credit Union211 Northland Blvd, Cincinnati, OH 45246A+5.0 ★Texas Ratio: 5.14%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Certificates at 4.00% APY, and Republic Bank & Trust CompanyRepublic Bank & Trust Company8050 Hosbrook Rd, Cincinnati, OH 45236A+5.0 ★Texas Ratio: 2.91%Real return: +1.10%APY minus CPI (February 2026) offering 6 Month Certificates of Deposit at 3.90% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Cincinnati has 244 local institutions in our database, with CD rates as high as 4.99% APY from General Electric Credit Union at 10485 Reading Rd, Cincinnati, OH 45241 2523. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Ohio area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026

Compare Best CD Rates in Cincinnati, Ohio & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Cincinnati 3 Month CD Rates

National 3 Month CD Average2.06% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

3 Month Certificates

3.65% ▲ 1.59% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.59% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

3-Month Certificate

3.55% ▲ 1.49% above national avg

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.49% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 3-Month Certificate

3.55% ▲ 1.49% above national avg

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.49% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Certificate - 3-Month Certificate

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.49% above avg

Details

Cinfed Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

550 Main St, Cincinnati, OH 45202

3 Month Certificate

3.50% ▲ 1.44% above national avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.44% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

3 Month ESA TruAdvantage Certificate

3.25% ▲ 1.19% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

3 Month IRA/ESA Share Certificates - TruAdvantage

3.25% ▲ 1.19% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

3 Month Certificate

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

3 Month ESA TruBenefits Certificate

3.10% ▲ 1.04% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.04% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

3 Month IRA/ESA Share Certificates - TruBenefits

3.10% ▲ 1.04% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.04% above avg

Details

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

3 Month CD Specials

$2,000

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.94% above avg

Details

Penalty: 45 Days; Day/Year: 365/366

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

3 Month ESA Regular Certificate

3.00% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.94% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

3 Month IRA/ESA Share Certificates - Regular

3.00% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.94% above avg

Details

Woodforest National Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

8451 Colerain Ave, Cincinnati, OH 45239

3 Month CD

$500

2.00% ▼ 0.06% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 0.06% below avg

Details

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

3-Month CD

0.10% ▼ 1.96% below national avg

View

▼

Rate0.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 1.96% below avg

Details

Austin Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.96%

3 Month CD

$1,000

4.32% ▲ 2.26% above national avg

View

▼

Rate4.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 2.26% above avg

Details

UP to $99,999.99

Riverside Bank of Dublin

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

3 Month Certificate

$500

3.85% ▲ 1.79% above national avg

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.79% above avg

Details

Atomic Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.34%

3 Month Certificate

3.75% ▲ 1.69% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.69% above avg

Details

Chicago Patrolmens Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

3 Month Share Certificates

3.72% ▲ 1.66% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.06%▲ 1.66% above avg

Details

Unified Bank Martins Ferry, OH

Institution Rating:

A5.0 ★Texas Ratio: 11.50%

3 Month CD

$1,000

3.61% ▲ 1.55% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.55% 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.

Christian Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

3 Month Certificate

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.49% above avg

Details

Balance: $50,000 & Over

Vacationland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

3 Month Certificate

$500

3.50% ▲ 1.44% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.44% above avg

Details

Kemba Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.49%

3 Month Certificate

$500

3.50% ▲ 1.44% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.44% 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% ▲ 1.44% above national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.44% above avg

Details

Savings Bank Circleville, OH

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

3-MONTH CD

3.46% ▲ 1.40% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.40% above avg

Details

Community Star Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.80%

90 Day Certificate

3.45% ▲ 1.39% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.39% above avg

Details

Community Savings Bank Bethel, OH

Institution Rating:

A+5.0 ★Texas Ratio: 0.56%

3 Month Certificate

$5,000

3.35% ▲ 1.29% above national avg

View

▼

Rate3.31%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.29% above avg

Details

Christian Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

3 Month Certificate

3.29% ▲ 1.23% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.23% above avg

Details

Balance: $1,000 - $49,999

S&T Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.93%

3 Month CD

$1,000

3.25% ▲ 1.19% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.19% above avg

Details

Credit Union of Ohio

Institution Rating:

A+5.0 ★Texas Ratio: 3.79%

3 Month Regular Certificates & IRAs

$500

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

IRA Certificates: $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.

Fairfield Federal S&L of Lancaster

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

3 Month Certificate Account

$500

3.04% ▲ 0.98% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.98% above avg

Details

Kemba Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.49%

3 Month Term IRA

$250

3.00% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.94% above avg

Details

First Service Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

3 Month Term Share Certificate

$500

2.93% ▲ 0.87% above national avg

View

▼

Rate2.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.87% 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% ▲ 0.83% above national avg

View

▼

Rate2.85%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.83% above avg

Details

Midwest Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

3 Month Share Certificates and IRAs

2.84% ▲ 0.78% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.78% above avg

Details

Midwest Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

3 Month Share Certificates and IRAs

2.79% ▲ 0.73% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.73% above avg

Details

Fort Randall Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Certificates - 3 Months

$250

2.78% ▲ 0.72% above national avg

View

▼

Rate2.75%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.72% above avg

Details

Balance: $250 - $10,000.00

Midwest Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

3 Month Share Certificates and IRAs

2.74% ▲ 0.68% above national avg

View

▼

Rate2.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.68% above avg

Details

Midwest Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.76%

3 Month Share Certificates and IRAs

2.69% ▲ 0.63% above national avg

View

▼

Rate2.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.63% above avg

Details

Ohio Healthcare Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.48%

3 Month Regular Certificates

2.50% ▲ 0.44% above national avg

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.44% above avg

Details

Falls Catholic Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.66%

3 Month Term Share Certificates

2.50% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.44% above avg

Details

Summit Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.38%

3 Month Term Share Certificate

2.45% ▲ 0.39% above national avg

View

▼

Rate2.42%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 0.39% above avg

Details

Compounding Period: Monthly

AurGroup Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

3 Month Certificate

2.25% ▲ 0.19% above national avg

View

▼

Rate2.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.19% above avg

Details

Cincinnati 6 Month CD Rates

National 6 Month CD Average2.76% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

6-month intro

4.99% ▲ 2.23% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 2.23% above avg

Details

Childrens Medical Center Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

3333 Burnet Ave, Cincinnati, OH 45229 3026

6 months Certificate

$500

4.02% ▲ 1.26% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.26% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

CF Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.47%

10300 Alliance Rd, Cincinnati, OH 45242

6 Month Certificate

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.24% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

6 Month Certificates of Deposit

$1,000

3.90% ▲ 1.14% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.14% 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%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 6 Month

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.14% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

6 Month CD - Certificates of Deposit

3.80% ▲ 1.04% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.04% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

6 Month Certificates of Deposit

$1,000

3.80% ▲ 1.04% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.04% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 6 Month

3.80% ▲ 1.04% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.04% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 6 Month

$1,000

3.80% ▲ 1.04% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.04% 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%

8050 Hosbrook Rd, Cincinnati, OH 45236

IRA - Individual Retirement Accounts - 6-Month

$1,000

3.80% ▲ 1.04% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.04% above avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

6 Month Certificates of Deposit

$1,000

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 6 Month

3.75% ▲ 0.99% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 6 Month

$1,000

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

6 Month Certificates

3.70% ▲ 0.94% above national avg

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.94% above avg

Details

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

6 Month Jumbo Share Certificates

3.66% ▲ 0.90% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.90% above avg

Details

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

6 Month Certificate

3.65% ▲ 0.89% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.89% above avg

Details

Cinfed Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

550 Main St, Cincinnati, OH 45202

6 Month Certificate

3.60% ▲ 0.84% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.84% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

6-Month Certificate

3.60% ▲ 0.84% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.84% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 6-Month Certificate

3.60% ▲ 0.84% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.84% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Certificate - 6-Month Certificate

3.60% ▲ 0.84% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.84% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

6 Month ESA TruAdvantage Certificate

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.49% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

6 Month IRA/ESA Share Certificates - TruAdvantage

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.49% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

6 Month ESA TruBenefits Certificate

3.10% ▲ 0.34% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.34% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

6 Month IRA/ESA Share Certificates - TruBenefits

3.10% ▲ 0.34% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.34% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

6 Month ESA Regular Certificate

3.00% ▲ 0.24% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.24% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

6 Month IRA/ESA Share Certificates - Regular

3.00% ▲ 0.24% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.24% above avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

6 Months Term Certificate

$1,000

2.78% ▲ 0.02% above national avg

View

▼

Rate2.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.02% above avg

Details

Woodforest National Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

8451 Colerain Ave, Cincinnati, OH 45239

6 Month CD

$500

2.25% ▼ 0.51% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 0.51% below avg

Details

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

6 Month CDs

$1,500

1.01% ▼ 1.75% below national avg

View

▼

Rate1.00%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 1.75% below avg

Details

Early Withdrawal Penalty: 3 Months

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

6-Month CD

0.20% ▼ 2.56% below national avg

View

▼

Rate0.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▼ 2.56% below avg

Details

Cincinnati Interagency Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.66%

26 Martin Luther King Dr W, Cincinnati, OH 45220 2242

6 Month Share Certificate

$500

0.10% ▼ 2.66% below national avg

View

▼

Rate0.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▼ 2.66% below avg

Details

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

6 Month Bonus CD

4.75% ▲ 1.99% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.99% above avg

Details

Minimum to Obtain: $500

LorMet Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

6 Month Certificate Special

$1,000

4.15% ▲ 1.39% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.39% above avg

Details

Open LorMet Checking Account required. A penalty may be charged for early withdrawal. Rates and terms subject to change without notice.

Ohio Catholic Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

6 Month NON-PROFIT SHARE CERTIFICATE SPECIAL

$25,000

4.10% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.34% above avg

Details

Promotional rate is accurate as of September 1st, 2026, is excluded from the Member Appreciation Program, and requires a minimum deposit of $25,000 in new money. An early withdrawal penalty may be imposed for early withdrawals. At maturity, the certificate will renew at the rate in effect on the renewal date. The promotion is available through September 30th, 2026. APY assumes interest remains on deposit until maturity. Fees may reduce earnings on the account.

Ohio Catholic Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

6 Month SHARE CERTIFICATE SPECIAL

$500

4.10% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.34% above avg

Details

Promotional rate is accurate as of September 1, 2026. Disclosure applies to both share certificates. Promotional rate is excluded from the Member Appreciation Program and requires a minimum deposit of $500. An early withdrawal penalty may be imposed for early withdrawals. At maturity, the certificate will renew at the rate in effect on the renewal date. The promotion is available through September 30, 2026. APY assumes interest remains on deposit until maturity. Fees may reduce earnings on account.

DoverPhila Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.79%

6 Month Certificate

4.08% ▲ 1.32% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.32% above avg

Details

United Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.23%

6 month Share Certificate Special

4.05% ▲ 1.29% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.29% above avg

Details

When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months

Austin Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.96%

6 Month CD

$1,000

4.04% ▲ 1.28% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.28% above avg

Details

UP to $99,999.99

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

6 Month Print Share and IRA Jumbo Certificates

4.04% ▲ 1.28% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.28% above avg

Details

Peoples First Savings Bank

Institution Rating:

B4.6 ★Texas Ratio: 20.46%

6 Month Certificate

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.24% above avg

Details

FNB of Waverly

Institution Rating:

B+4.7 ★Texas Ratio: 18.82%

6 Month Certificate Special

$1,000

3.98% ▲ 1.22% above national avg

View

▼

Rate3.90%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.22% above avg

Details

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

6 Month Share Certificate

3.96% ▲ 1.20% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.20% above avg

Details

Dividends Compound & Paid: Daily

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

Share Certificate - 6 Month

3.96% ▲ 1.20% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.20% above avg

Details

Dividends Compound & Paid: Daily

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

6 Month Print Share and IRA Certificates

3.94% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.18% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

6 Month Share and IRA Certificates

3.94% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.18% above avg

Details

The Baltic State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

6 Month CD

3.92% ▲ 1.16% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.16% above avg

Details

Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice.

First Bank of Central Ohio

Institution Rating:

A5.0 ★Texas Ratio: 11.67%

6 Month Certificate of Deposit

$500

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.14% above avg

Details

Penalty: 90 days; Frequency of Compounding: Daily

Kemba Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.49%

6 Month Certificate

$500

3.90% ▲ 1.14% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.14% 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% ▲ 1.14% above national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.14% above avg

Details

Atomic Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.34%

6 Month Certificate

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.14% above avg

Details

Cincinnati 12 Month CD Rates

National 12 Month CD Average2.95% APYUnchanged from last week

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%

3333 Burnet Ave, Cincinnati, OH 45229 3026

1 year Certificate

$500

4.31% ▲ 1.36% above national avg

View

▼

Rate4.30%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.36% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

Childrens Medical Center Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

3333 Burnet Ave, Cincinnati, OH 45229 3026

1 Year IRA

$500

4.31% ▲ 1.36% above national avg

View

▼

Rate4.30%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.36% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

CF Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.47%

10300 Alliance Rd, Cincinnati, OH 45242

12 Month Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

12 Months Term Certificate

$1,000

3.82% ▲ 0.87% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.87% above avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

IRA Term Certificate 12 Months

$1,000

3.82% ▲ 0.87% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.87% above avg

Details

IRA Term Certificates*

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

1 Year Diamond Club Certificates

3.82% ▲ 0.87% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.87% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

1-Year Jumbo Certificate

3.80% ▲ 0.85% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.85% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 1-Year Jumbo Certificate

3.80% ▲ 0.85% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.85% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Jumbo Certificate - 1-Year

3.80% ▲ 0.85% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.85% above avg

Details

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

12 Month Certificates

3.75% ▲ 0.80% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.80% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

1-Year Certificate

3.70% ▲ 0.75% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.75% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 1-Year Certificate

3.70% ▲ 0.75% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.75% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Certificate - 1-Year Certificate

3.70% ▲ 0.75% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.75% above avg

Details

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

1 Year Certificate

3.70% ▲ 0.75% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.75% above avg

Details

Cinfed Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

550 Main St, Cincinnati, OH 45202

12 Month Certificate

3.60% ▲ 0.65% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.65% above avg

Details

Truist

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

3701 Montomgery Road, Cincinnati, OH 45207

12 Month Certificate of Deposit (CDs)

3.25% ▲ 0.30% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.30% above avg

Details

Special rate on select new CD accounts.

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

12 Month ESA TruAdvantage Certificate

3.25% ▲ 0.30% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.30% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

12 Month IRA/ESA Share Certificates - TruAdvantage

3.25% ▲ 0.30% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.30% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

12 Month CD - Certificates of Deposit

3.10% ▲ 0.15% above national avg

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.15% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

12 Month Certificates of Deposit

$1,000

3.10% ▲ 0.15% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.15% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 12 Month

3.10% ▲ 0.15% above national avg

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.15% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 12 Month

$1,000

3.10% ▲ 0.15% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.15% above avg

Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

12 Month ESA TruBenefits Certificate

3.10% ▲ 0.15% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.15% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

12 Month IRA/ESA Share Certificates - TruBenefits

3.10% ▲ 0.15% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.15% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

12 Month Payroll Deduction Share Certificate

$25

3.04% ▲ 0.09% above national avg

View

▼

Rate3.00%

Min Deposit$25

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.09% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

12 Month Share Certificate

$500

3.04% ▲ 0.09% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.09% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

IRA Share Certificate - 12 Month Payroll Deduction

$25

3.04% ▲ 0.09% above national avg

View

▼

Rate3.00%

Min Deposit$25

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.09% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

Share Certificate - 12 Months

$500

3.04% ▲ 0.09% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.09% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

12 Month ESA Regular Certificate

3.00% ▲ 0.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.05% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

12 Month IRA/ESA Share Certificates - Regular

3.00% ▲ 0.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 0.05% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

ESA 12 Month Youth Savers Certificate

2.75% ▼ 0.20% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 0.20% below avg

Details

Deposit limits are a minimum of $250 and a maximum of $1,000 .; IRA/ESA/Certificates

Woodforest National Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

8451 Colerain Ave, Cincinnati, OH 45239

1 Year CD

$500

2.00% ▼ 0.95% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 0.95% below avg

Details

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

12 Month IRA Share Certificate

2.00% ▼ 0.95% below national avg

View

▼

Rate1.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▼ 0.95% below avg

Details

Rates effective 4-2024

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

12 Month Share Certificare

2.00% ▼ 0.95% below national avg

View

▼

Rate1.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▼ 0.95% below avg

Details

Rates effective 4-2024

Local Union 392 Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

1228 Central Pkwy Ste 302, Cincinnati, OH 45202

12 Month Share Certificate

1.51% ▼ 1.44% below national avg

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▼ 1.44% below avg

Details

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

12 Month CDs

$500

1.50% ▼ 1.45% below national avg

View

▼

Rate1.49%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.45% below avg

Details

Early Withdrawal Penalty: 6 months

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

IRA - Individual Retirement Accounts - 12-Month

$1,000

1.25% ▼ 1.70% below national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▼ 1.70% below avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

12-Month CD

0.25% ▼ 2.70% below national avg

View

▼

Rate0.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▼ 2.70% below avg

Details

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

3300 Harrison Ave, Cincinnati, OH 45211

12 Month Certificate

$500

0.25% ▼ 2.70% below national avg

View

▼

Rate0.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▼ 2.70% below avg

Details

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

12 Month Diamond Club Certificates

$300

0.25% ▼ 2.70% below national avg

View

▼

Rate0.25%

Min Deposit$300

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▼ 2.70% below avg

Details

Diamond Club members are full service members with a Share Savings Account, Share Draft Checking Account, Visa Debit Card and VISA Credit Card. Dividends Paid Monthly. (a) Dividend rate is calculated on a daily basis (b) Annual Percentage Yield based on dividends accumulating to account All Term Certificates are subject to penalties for early withdrawal.

Cincinnati Interagency Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.66%

26 Martin Luther King Dr W, Cincinnati, OH 45220 2242

12 Month Share Certificate

$500

0.10% ▼ 2.85% below national avg

View

▼

Rate0.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▼ 2.85% below avg

Details

Vacationland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

12 Month Youth Certificates

$500

6.03% ▲ 3.08% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 3.08% 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% ▲ 2.98% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.98% 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% ▲ 2.87% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.87% 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% ▲ 2.77% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.77% 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% ▲ 2.67% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.67% 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% ▲ 2.56% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.56% 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% ▲ 2.46% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.46% 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% ▲ 2.35% above national avg

View

▼

Rate—

Min Deposit$100

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.35% 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% ▲ 2.25% above national avg

View

▼

Rate—

Min Deposit$100

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.25% above avg

Details

Age: 11

Cincinnati 18 Month CD Rates

National 18 Month CD Average2.81% APY▼ 0.04% from last week

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%

3333 Burnet Ave, Cincinnati, OH 45229 3026

18 months Certificate

$500

4.31% ▲ 1.50% above national avg

View

▼

Rate4.30%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.50% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

18-Month Certificate

4.00% ▲ 1.19% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.19% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 18-Month Certificate

4.00% ▲ 1.19% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.19% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Certificate - 18-Month Certificate

4.00% ▲ 1.19% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.19% above avg

Details

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

18 Month Certificates

3.80% ▲ 0.99% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.99% above avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

18 Months Term Certificate

$1,000

3.76% ▲ 0.95% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.95% above avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

IRA Term Certificate 18 Months

$1,000

3.76% ▲ 0.95% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.95% above avg

Details

IRA Term Certificates*

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

18 Month Certificate

3.65% ▲ 0.84% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.84% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

18 Month Share Certificate

$500

3.30% ▲ 0.49% above national avg

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.49% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

IRA Share Certificate - 18 Months

$500

3.30% ▲ 0.49% above national avg

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.49% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

Share Certificate - 18 Months

$500

3.30% ▲ 0.49% above national avg

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.49% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

18 Month CD - Certificates of Deposit

3.25% ▲ 0.44% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.44% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

18 Month Certificates of Deposit

$1,000

3.25% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.44% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 18 Month

3.25% ▲ 0.44% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.44% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 18 Month

$1,000

3.25% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 0.44% above avg

Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

18 Month ESA TruAdvantage Certificate

3.25% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.44% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

18 Month IRA/ESA Share Certificates - TruAdvantage

3.25% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.44% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

18 Month ESA TruBenefits Certificate

3.10% ▲ 0.29% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.29% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

18 Month IRA/ESA Share Certificates - TruBenefits

3.10% ▲ 0.29% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.29% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

18 Month ESA Regular Certificate

3.00% ▲ 0.19% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.19% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

18 Month IRA/ESA Share Certificates - Regular

3.00% ▲ 0.19% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 0.19% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

IRA - Individual Retirement Accounts - 18-Month

$1,000

2.65% ▼ 0.16% below national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▼ 0.16% below avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

18 Month CDs

$500

1.30% ▼ 1.51% below national avg

View

▼

Rate1.29%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▼ 1.51% below avg

Details

Early Withdrawal Penalty: 9 months

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

18-Month CD

0.30% ▼ 2.51% below national avg

View

▼

Rate0.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▼ 2.51% below avg

Details

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

3300 Harrison Ave, Cincinnati, OH 45211

18 Month Certificate

$500

0.30% ▼ 2.51% below national avg

View

▼

Rate0.30%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.81%▼ 2.51% below avg

Details

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

3300 Harrison Ave, Cincinnati, OH 45211

18 Month IRA Certificate

$250

0.20% ▼ 2.61% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.81%▼ 2.61% below avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

18 Month Print Share and IRA Jumbo Certificates

4.38% ▲ 1.57% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.57% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

18 Month Print Share and IRA Certificates

4.28% ▲ 1.47% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.47% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

18 Month Share and IRA Certificates

4.28% ▲ 1.47% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.47% above avg

Details

Atomic Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.34%

18 Month Certificate

4.15% ▲ 1.34% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.34% above avg

Details

Atomic Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.34%

18-Month Certificate

$1,000

4.15% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.34% above avg

Details

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

18 Month Share Certificate

4.11% ▲ 1.30% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 1.30% above avg

Details

Dividends Compound & Paid: Daily

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

Share Certificate - 18 Month

4.11% ▲ 1.30% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 1.30% above avg

Details

Dividends Compound & Paid: Daily

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

18 Month Regular Certificates

$500

4.05% ▲ 1.24% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.81%▲ 1.24% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 18-Month

$500

4.05% ▲ 1.24% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.81%▲ 1.24% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates 18-Month

$500

4.05% ▲ 1.24% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.81%▲ 1.24% above avg

Details

First National Bank in New Bremen

Institution Rating:

A+5.0 ★Texas Ratio: 0.52%

18 Month CD

$500

4.02% ▲ 1.21% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.21% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

18 Month Certificate

$1,000

4.00% ▲ 1.19% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 1.19% above avg

Details

Ohio Valley Bank Co.

Institution Rating:

A5.0 ★Texas Ratio: 10.78%

18 MONTH IRA / ROTH TDOA

4.00% ▲ 1.19% above national avg

View

▼

Rate3.92%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 1.19% above avg

Details

Ohio Valley Bank Co.

Institution Rating:

A5.0 ★Texas Ratio: 10.78%

Limited Time CD Specials You Choose The Term! - 10 thru 18 Month Certificate of Deposit

$5,000

4.00% ▲ 1.19% above national avg

View

▼

Rate3.92%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.81%▲ 1.19% above avg

Details

All certificates are automatically renewable. Those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. A.P.Y. = Annual Percentage Yield. Public funds over $250,000.00 excluded from this offer. Effective Date: 9/14/2026

First Federal S&L Newark, OH

Institution Rating:

A5.0 ★Texas Ratio: 6.79%

18 Month CD

$500

4.00% ▲ 1.19% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.81%▲ 1.19% above avg

Details

Hopewell Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

18 Month Certificate

3.97% ▲ 1.16% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.16% above avg

Details

River Valley Credit Union Miamisburg, OH

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

IRA Certificates 18 months (Bump one time)

$1,000

3.95% ▲ 1.14% above national avg

View

▼

Rate3.88%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.14% above avg

Details

Monroe Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.24%

18 Month CD Special

$1,000

3.90% ▲ 1.09% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.09% above avg

Details

Monroe Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.24%

18 Month Certificate Special

$1,000

3.90% ▲ 1.09% above national avg

View

▼

Rate3.84%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.09% above avg

Details

Directions Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.07%

18 Month Certificate

$500

3.87% ▲ 1.06% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.06% above avg

Details

Consumers National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.77%

18 Month Certificate of Deposit

$1,000

3.85% ▲ 1.04% above national avg

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.81%▲ 1.04% above avg

Details

River Valley Credit Union Miamisburg, OH

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

Business 18 months Certificate (Bump one time)

$1,000

3.85% ▲ 1.04% above national avg

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.81%▲ 1.04% above avg

Details

Desco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.42%

IRA Share Certificate - 18 months

$500

3.82% ▲ 1.01% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.01% above avg

Details

Desco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.42%

Share Certificate - 18 months

$500

3.82% ▲ 1.01% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.81%▲ 1.01% above avg

Details

Cincinnati 24 Month CD Rates

National 24 Month CD Average2.83% APY▼ 0.03% from last week

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%

3333 Burnet Ave, Cincinnati, OH 45229 3026

2 year Certificate

$500

4.36% ▲ 1.53% above national avg

View

▼

Rate4.35%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.53% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

2-Year Certificate

4.00% ▲ 1.17% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

2-Year Jumbo Certificate

4.00% ▲ 1.17% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 2-Year Certificate

4.00% ▲ 1.17% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 2-Year Jumbo Certificate

4.00% ▲ 1.17% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Certificate - 2-Year Certificate

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Jumbo Certificate - 2-Year

4.00% ▲ 1.17% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

24 Month Certificates

3.85% ▲ 1.02% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.02% above avg

Details

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

2 Year Diamond Club Certificates

3.76% ▲ 0.93% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.93% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

24 Month CD - Certificates of Deposit

3.75% ▲ 0.92% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

24 Month Certificates of Deposit

$1,000

3.75% ▲ 0.92% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 24 Month

3.75% ▲ 0.92% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 24 Month

$1,000

3.75% ▲ 0.92% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% 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%

8050 Hosbrook Rd, Cincinnati, OH 45236

IRA - Individual Retirement Accounts - 24-Month

$1,000

3.75% ▲ 0.92% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

24 Months Term Certificate

$1,000

3.71% ▲ 0.88% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.88% above avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

IRA Term Certificate 24 Months

$1,000

3.71% ▲ 0.88% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.88% above avg

Details

IRA Term Certificates*

Cinfed Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

550 Main St, Cincinnati, OH 45202

24 Month Certificate

3.70% ▲ 0.87% above national avg

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.87% above avg

Details

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

2 Year Certificate

3.60% ▲ 0.77% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.77% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

24 Month Share Certificate

$500

3.56% ▲ 0.73% above national avg

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.73% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

IRA Share Certificate - 24 Months

$500

3.56% ▲ 0.73% above national avg

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.73% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

Share Certificate - 24 Months

$500

3.56% ▲ 0.73% above national avg

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.73% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

24 Month ESA TruAdvantage Certificate

3.25% ▲ 0.42% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.42% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

24 Month IRA/ESA Share Certificates - TruAdvantage

3.25% ▲ 0.42% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.42% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

24 Month ESA TruBenefits Certificate

3.10% ▲ 0.27% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.27% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

24 Month IRA/ESA Share Certificates - TruBenefits

3.10% ▲ 0.27% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.27% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

24 Month ESA Regular Certificate

3.00% ▲ 0.17% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.17% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

24 Month IRA/ESA Share Certificates - Regular

3.00% ▲ 0.17% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.17% above avg

Details

Woodforest National Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

8451 Colerain Ave, Cincinnati, OH 45239

2 Year CD

$500

2.25% ▼ 0.58% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▼ 0.58% below avg

Details

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

24 Month IRA Share Certificate

2.25% ▼ 0.58% below national avg

View

▼

Rate2.23%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▼ 0.58% below avg

Details

Rates effective 4-2024

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

24 Month Share Certificare

2.25% ▼ 0.58% below national avg

View

▼

Rate2.23%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▼ 0.58% below avg

Details

Rates effective 4-2024

Local Union 392 Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

1228 Central Pkwy Ste 302, Cincinnati, OH 45202

24 Month Share Certificate

1.71% ▼ 1.12% below national avg

View

▼

Rate1.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▼ 1.12% below avg

Details

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

24 Month CDs

$500

1.40% ▼ 1.43% below national avg

View

▼

Rate1.39%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▼ 1.43% below avg

Details

Early Withdrawal Penalty: 12 months

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

24-Month CD

0.50% ▼ 2.33% below national avg

View

▼

Rate0.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▼ 2.33% below avg

Details

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

24 Month One Up Share Certificates

$1,000

0.50% ▼ 2.33% below national avg

View

▼

Rate0.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 2.33% below avg

Details

Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate. (a) Dividend rate is calculated on a daily basis (b) Annual Percentage Yield based on dividends accumulating to account All Term Certificates are subject to penalties for early withdrawal.

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

3300 Harrison Ave, Cincinnati, OH 45211

24 Month Certificate

$500

0.35% ▼ 2.48% below national avg

View

▼

Rate0.35%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▼ 2.48% below avg

Details

Cincinnati Interagency Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.66%

26 Martin Luther King Dr W, Cincinnati, OH 45220 2242

24 Month Share Certificate

$500

0.10% ▼ 2.73% below national avg

View

▼

Rate0.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▼ 2.73% below avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

24 Month Print Share and IRA Jumbo Certificates

4.54% ▲ 1.71% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.71% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

24 Month Print Share and IRA Certificates

4.44% ▲ 1.61% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.61% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

24 Month Share and IRA Certificates

4.44% ▲ 1.61% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.61% above avg

Details

Chicago Patrolmens Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

24-Month IRA

4.34% ▲ 1.51% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.83%▲ 1.51% above avg

Details

PSE Credit Union Inc

Institution Rating:

A+5.0 ★Texas Ratio: 3.10%

2 Year Certificate Account

$500

4.32% ▲ 1.49% above national avg

View

▼

Rate4.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.49% above avg

Details

PSE Credit Union Inc

Institution Rating:

A+5.0 ★Texas Ratio: 3.10%

2 Year IRA Certificate

$500

4.32% ▲ 1.49% above national avg

View

▼

Rate4.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.49% above avg

Details

Peoples First Savings Bank

Institution Rating:

B4.6 ★Texas Ratio: 20.46%

24 Month IRA (Variable)

$100

4.29% ▲ 1.46% above national avg

View

▼

Rate4.20%

Min Deposit$100

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.46% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

24-month CD

$1,000

4.25% ▲ 1.42% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.42% above avg

Details

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

24 Month Share Certificate

4.16% ▲ 1.33% above national avg

View

▼

Rate4.08%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.33% above avg

Details

Dividends Compound & Paid: Daily

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

Share Certificate - 24 Month

4.16% ▲ 1.33% above national avg

View

▼

Rate4.08%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.33% above avg

Details

Dividends Compound & Paid: Daily

Chicago Patrolmens Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

24 Month Share Certificates

4.08% ▲ 1.25% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.83%▲ 1.25% above avg

Details

FirstEnergy Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

24 Month Share Certificate

4.06% ▲ 1.23% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.23% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

24 Month Regular Certificates

$500

4.05% ▲ 1.22% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▲ 1.22% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 24-Month

$500

4.05% ▲ 1.22% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▲ 1.22% above avg

Details

Cincinnati 36 Month CD Rates

National 36 Month CD Average2.75% APY▼ 0.03% from last week

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%

3333 Burnet Ave, Cincinnati, OH 45229 3026

3 year Certificate

$500

4.11% ▲ 1.36% above national avg

View

▼

Rate4.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.36% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

Childrens Medical Center Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

3333 Burnet Ave, Cincinnati, OH 45229 3026

3 Year IRA

$500

4.11% ▲ 1.36% above national avg

View

▼

Rate4.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.36% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

36 Month Certificates

3.90% ▲ 1.15% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.15% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

36 Month CD - Certificates of Deposit

3.75% ▲ 1.00% above national avg

View

▼

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%

8050 Hosbrook Rd, Cincinnati, OH 45236

36 Month Certificates of Deposit

$1,000

3.75% ▲ 1.00% above national avg

View

▼

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%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 36 Month

3.75% ▲ 1.00% above national avg

View

▼

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%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 36 Month

$1,000

3.75% ▲ 1.00% above national avg

View

▼

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.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

IRA - Individual Retirement Accounts - 36-Month

$1,000

3.75% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

3 Year Diamond Club Certificates

3.71% ▲ 0.96% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.96% above avg

Details

Cinfed Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

550 Main St, Cincinnati, OH 45202

36 Month Certificate

3.70% ▲ 0.95% above national avg

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 0.95% above avg

Details

CF Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.47%

10300 Alliance Rd, Cincinnati, OH 45242

36 Month Certificate

3.50% ▲ 0.75% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▲ 0.75% above avg

Details

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

3 Year Certificate

3.40% ▲ 0.65% above national avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.65% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

36 Month ESA TruAdvantage Certificate

3.25% ▲ 0.50% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.50% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

36 Month IRA/ESA Share Certificates - TruAdvantage

3.25% ▲ 0.50% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.50% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

3-Year Certificate

3.15% ▲ 0.40% above national avg

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.40% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 3-Year Certificate

3.15% ▲ 0.40% above national avg

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.40% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Certificate - 3-Year Certificate

3.15% ▲ 0.40% above national avg

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.40% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

36 Month ESA TruBenefits Certificate

3.10% ▲ 0.35% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.35% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

36 Month IRA/ESA Share Certificates - TruBenefits

3.10% ▲ 0.35% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.35% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

36 Month ESA Regular Certificate

3.00% ▲ 0.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.25% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

36 Month IRA/ESA Share Certificates - Regular

3.00% ▲ 0.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.25% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

3-Year Bump Certificate

2.80% ▲ 0.05% above national avg

View

▼

Rate2.76%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.05% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

3-Year IRA/HSA Bump Certificate

2.80% ▲ 0.05% above national avg

View

▼

Rate2.77%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 0.05% above avg

Details

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

36 Month CDs

$500

2.53% ▼ 0.22% below national avg

View

▼

Rate2.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▼ 0.22% below avg

Details

Early Withdrawal Penalty: 18 months

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

36 Month IRA Share Certificate

2.50% ▼ 0.25% below national avg

View

▼

Rate2.48%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▼ 0.25% below avg

Details

Rates effective 4-2024

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

36 Month Share Certificare

2.50% ▼ 0.25% below national avg

View

▼

Rate2.48%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▼ 0.25% below avg

Details

Rates effective 4-2024

Local Union 392 Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

1228 Central Pkwy Ste 302, Cincinnati, OH 45202

36 Month Share Certificate

1.91% ▼ 0.84% below national avg

View

▼

Rate1.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▼ 0.84% below avg

Details

Woodforest National Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

8451 Colerain Ave, Cincinnati, OH 45239

3 Year CD

$500

1.40% ▼ 1.35% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▼ 1.35% below avg

Details

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

36-Month CD

0.40% ▼ 2.35% below national avg

View

▼

Rate0.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▼ 2.35% below avg

Details

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

3300 Harrison Ave, Cincinnati, OH 45211

36 Month Certificate

$500

0.40% ▼ 2.35% below national avg

View

▼

Rate0.40%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▼ 2.35% below avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

36 Months Term Certificate

$1,000

0.25% ▼ 2.50% below national avg

View

▼

Rate0.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▼ 2.50% below avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

IRA Term Certificate 36 Months

$1,000

0.25% ▼ 2.50% below national avg

View

▼

Rate0.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▼ 2.50% below avg

Details

IRA Term Certificates*

Cincinnati Interagency Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.66%

26 Martin Luther King Dr W, Cincinnati, OH 45220 2242

36 Month Share Certificate

$500

0.10% ▼ 2.65% below national avg

View

▼

Rate0.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▼ 2.65% below avg

Details

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

36 Month Bonus CD

4.50% ▲ 1.75% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▲ 1.75% above avg

Details

Minimum to Obtain: $500

Community Savings Bank Bethel, OH

Institution Rating:

A+5.0 ★Texas Ratio: 0.56%

36 Month Special

$5,000

4.50% ▲ 1.75% above national avg

View

▼

Rate4.40%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▲ 1.75% above avg

Details

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

36 Month Share Certificate

4.26% ▲ 1.51% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▲ 1.51% above avg

Details

Dividends Compound & Paid: Daily

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

Share Certificate - 36 Month

4.26% ▲ 1.51% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▲ 1.51% above avg

Details

Dividends Compound & Paid: Daily

Ukrainian Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.35%

3 Year Certificates

4.25% ▲ 1.50% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▲ 1.50% above avg

Details

1x Bump Up

Seven Seventeen Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.92%

36 month Certificate

4.25% ▲ 1.50% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.50% above avg

Details

SPECIAL JUMBO CERTIFICATE BONUS! Boost Your Earnings - 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

4.13% ▲ 1.38% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.75%▲ 1.38% above avg

Details

Monroe Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.24%

36 Month CD Special

$1,000

4.10% ▲ 1.35% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.35% above avg

Details

Monroe Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.24%

36 Month Certificate Special

$1,000

4.10% ▲ 1.35% above national avg

View

▼

Rate4.04%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.75%▲ 1.35% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

36 Month Regular Certificates

$1,000

4.10% ▲ 1.35% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▲ 1.35% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 36-Month

$1,000

4.10% ▲ 1.35% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▲ 1.35% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates 36-Month

$1,000

4.10% ▲ 1.35% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.75%▲ 1.35% above avg

Details

Vacationland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

36 Month Jumbo Certificates +

$50,000

4.05% ▲ 1.30% above national avg

View

▼

Rate—

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.75%▲ 1.30% above avg

Details

River Valley Credit Union Miamisburg, OH

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

Business 36 months Jumbo Certificate

$100,000

4.05% ▲ 1.30% above national avg

View

▼

Rate3.98%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.30% 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% ▲ 1.30% above national avg

View

▼

Rate3.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.30% 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% ▲ 1.30% above national avg

View

▼

Rate3.98%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.75%▲ 1.30% above avg

Details

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

3 Year Rising Rate CD

4.00% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.75%▲ 1.25% above avg

Details

Minimum to Obtain: $500

Cincinnati 48 Month CD Rates

National 48 Month CD Average2.76% APY▼ 0.03% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

48 Month Certificates

3.95% ▲ 1.19% above national avg

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.19% above avg

Details

Cinfed Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

550 Main St, Cincinnati, OH 45202

48 Month Certificate

3.80% ▲ 1.04% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.04% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

48 Month CD - Certificates of Deposit

3.75% ▲ 0.99% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

48 Month Certificates of Deposit

$1,000

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 48 Month

3.75% ▲ 0.99% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 48 Month

$1,000

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% 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%

8050 Hosbrook Rd, Cincinnati, OH 45236

IRA - Individual Retirement Accounts - 48-Month

$1,000

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

48 Month ESA TruAdvantage Certificate

3.50% ▲ 0.74% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.74% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

48 Month IRA/ESA Share Certificates - TruAdvantage

3.50% ▲ 0.74% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.74% above avg

Details

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

4 Year Certificate

3.40% ▲ 0.64% above national avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.64% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

48 Month ESA TruBenefits Certificate

3.35% ▲ 0.59% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.59% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

48 Month IRA/ESA Share Certificates - TruBenefits

3.35% ▲ 0.59% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.59% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

48 Month ESA Regular Certificate

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.49% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

48 Month IRA/ESA Share Certificates - Regular

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.49% above avg

Details

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

4 Year One Up Share Certificates

3.20% ▲ 0.44% above national avg

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 0.44% above avg

Details

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

48 Month IRA Share Certificate

2.75% ▼ 0.01% below national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▼ 0.01% below avg

Details

Rates effective 4-2024

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

48 Month Share Certificare

2.75% ▼ 0.01% below national avg

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▼ 0.01% below avg

Details

Rates effective 4-2024

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

48 Month CDs

$500

2.53% ▼ 0.23% below national avg

View

▼

Rate2.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 0.23% below avg

Details

Early Withdrawal Penalty: 24 months

Local Union 392 Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

1228 Central Pkwy Ste 302, Cincinnati, OH 45202

48 Month Share Certificate

2.12% ▼ 0.64% below national avg

View

▼

Rate2.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▼ 0.64% below avg

Details

Woodforest National Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

8451 Colerain Ave, Cincinnati, OH 45239

4 Year CD

$500

1.15% ▼ 1.61% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 1.61% below avg

Details

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

3300 Harrison Ave, Cincinnati, OH 45211

48 Month Certificate

$500

0.50% ▼ 2.26% below national avg

View

▼

Rate0.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▼ 2.26% below avg

Details

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

48 Month Jumbo Share Certificates

$100,000

0.50% ▼ 2.26% below national avg

View

▼

Rate0.50%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 2.26% below avg

Details

Dividends Paid Monthly. (a) Dividend rate is calculated on a daily basis (b) Annual Percentage Yield based on dividends accumulating to account All Term Certificates are subject to penalties for early withdrawal.

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

48-Month CD

0.45% ▼ 2.31% below national avg

View

▼

Rate0.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▼ 2.31% below avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

48 Months Term Certificate

$1,000

0.35% ▼ 2.41% below national avg

View

▼

Rate0.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 2.41% below avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

IRA Term Certificate 48 Months

$1,000

0.35% ▼ 2.41% below national avg

View

▼

Rate0.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▼ 2.41% below avg

Details

IRA Term Certificates*

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

48 Month Print Share and IRA Jumbo Certificates

4.63% ▲ 1.87% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.87% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

48 Month Print Share and IRA Certificates

4.53% ▲ 1.77% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.77% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

48 Month Share and IRA Certificates

4.53% ▲ 1.77% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.77% above avg

Details

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

48 Month Share Certificate

4.31% ▲ 1.55% above national avg

View

▼

Rate4.23%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.55% above avg

Details

Dividends Compound & Paid: Daily

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

Share Certificate - 48 Month

4.31% ▲ 1.55% above national avg

View

▼

Rate4.23%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.55% above avg

Details

Dividends Compound & Paid: Daily

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

48 Month Regular Certificates

$1,000

4.15% ▲ 1.39% above national avg

View

▼

Rate4.07%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.39% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 48-Month

$1,000

4.15% ▲ 1.39% above national avg

View

▼

Rate4.07%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.39% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates 48-Month

$1,000

4.15% ▲ 1.39% above national avg

View

▼

Rate4.07%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.39% above avg

Details

River Valley Credit Union Miamisburg, OH

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

Business 48 months Jumbo Certificate

$100,000

4.10% ▲ 1.34% above national avg

View

▼

Rate4.02%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 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% ▲ 1.34% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.34% 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% ▲ 1.34% above national avg

View

▼

Rate4.02%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.34% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

48 Month Certificate

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.24% 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% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Code Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

Educational IRA - 48 Months

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Code Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

Roth IRA Certificate - 48 Months

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Code Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

Traditional IRA Certificate - 48 Months

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Abbott Laboratories Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

48 Month Certificates

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Abbott Laboratories Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

48 Month HSA Certificates

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Abbott Laboratories Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

48 Month IRA Certificates

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Roth, Traditional, Education

River Valley Credit Union Miamisburg, OH

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

Business 48 months Certificate

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Abbey Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.58%

48 Month Charm Term CD

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

GLASS CITY

Institution Rating:

A+5.0 ★Texas Ratio: 0.76%

48 Month CD

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

GLASS CITY

Institution Rating:

A+5.0 ★Texas Ratio: 0.76%

48 Month IRA

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Scott Associates Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.96%

48 Month IRA Certificates

$500

3.97% ▲ 1.21% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.21% above avg

Details

Scott Associates Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.96%

48 Month Share Certificates

$500

3.97% ▲ 1.21% above national avg

View

▼

Rate3.90%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.21% above avg

Details

Cincinnati 60 Month CD Rates

National 60 Month CD Average2.83% APY▼ 0.05% from last week

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%

3333 Burnet Ave, Cincinnati, OH 45229 3026

5 Year IRA

$500

4.11% ▲ 1.28% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.28% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

Childrens Medical Center Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

3333 Burnet Ave, Cincinnati, OH 45229 3026

5 year Certificate

$500

4.02% ▲ 1.19% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 1.19% above avg

Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

Kemba Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.14%

211 Northland Blvd, Cincinnati, OH 45246

60 Month Certificates

4.00% ▲ 1.17% above national avg

View

▼

Rate3.92%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.17% above avg

Details

Cinfed Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

550 Main St, Cincinnati, OH 45202

60 Month Certificate

3.80% ▲ 0.97% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.97% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

60 Month CD - Certificates of Deposit

3.75% ▲ 0.92% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

60 Month Certificates of Deposit

$1,000

3.75% ▲ 0.92% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

CD - Certificates of Deposit - 60 Month

3.75% ▲ 0.92% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

8050 Hosbrook Rd, Cincinnati, OH 45236

Certificates of Deposit - 60 Month

$1,000

3.75% ▲ 0.92% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% 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%

8050 Hosbrook Rd, Cincinnati, OH 45236

IRA - Individual Retirement Accounts - 60-Month

$1,000

3.75% ▲ 0.92% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.83%▲ 0.92% above avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

5 Year Diamond Club Certificates

3.71% ▲ 0.88% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.88% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

60 Month Share Certificate

$500

3.61% ▲ 0.78% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.78% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

IRA Share Certificate - 60 Months

$500

3.61% ▲ 0.78% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.78% above avg

Details

Postal Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1243 W 8TH ST, CINCINNATI, OH 45203 1004

Share Certificate - 60 Months

$500

3.61% ▲ 0.78% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.78% above avg

Details

CF Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.47%

10300 Alliance Rd, Cincinnati, OH 45242

60 Month Certificate

3.50% ▲ 0.67% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▲ 0.67% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

60 Month ESA TruAdvantage Certificate

3.50% ▲ 0.67% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.67% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

60 Month IRA/ESA Share Certificates - TruAdvantage

3.50% ▲ 0.67% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.67% above avg

Details

CINCINNATI OHIO POLICE

Institution Rating:

A5.0 ★Texas Ratio: 7.13%

959 W 8th St, Cincinnati, OH 45203

5 Year Certificate

3.40% ▲ 0.57% above national avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.57% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

60 Month ESA TruBenefits Certificate

3.35% ▲ 0.52% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.52% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

60 Month IRA/ESA Share Certificates - TruBenefits

3.35% ▲ 0.52% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.52% above avg

Details

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

60 Month ESA Regular Certificate

3.25% ▲ 0.42% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.42% above avg

Details

IRA/ESA/Certificates

TruPartner Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1800 Vine St, Cincinnati, OH 45202

60 Month IRA/ESA Share Certificates - Regular

3.25% ▲ 0.42% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.42% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

5-Year Certificate

3.05% ▲ 0.22% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.22% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

Business 5-Year Certificate

3.05% ▲ 0.22% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.22% above avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

IRA Certificate - 5-Year Certificate

3.05% ▲ 0.22% above national avg

View

▼

Rate3.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 0.22% above avg

Details

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

60 Month IRA Share Certificate

3.00% ▲ 0.17% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.17% above avg

Details

Rates effective 4-2024

Cincinnati Healthcare Associates Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.11%

2139 Auburn Ave, Cincinnati, OH 45219 2906

60 Month Share Certificare

3.00% ▲ 0.17% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▲ 0.17% above avg

Details

Rates effective 4-2024

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

5-Year Bump Certificate

2.70% ▼ 0.13% below national avg

View

▼

Rate2.67%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 0.13% below avg

Details

General Electric Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

10485 Reading Rd, Cincinnati, OH 45241 2523

5-Year IRA Bump Certificate

2.70% ▼ 0.13% below national avg

View

▼

Rate2.67%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 0.13% below avg

Details

Heritage Bank, Inc.

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

9749 Montgomery Rd, Cincinnati, OH 45242

60 Month CDs

$500

2.53% ▼ 0.30% below national avg

View

▼

Rate2.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▼ 0.30% below avg

Details

Early Withdrawal Penalty: 30 months

Local Union 392 Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

1228 Central Pkwy Ste 302, Cincinnati, OH 45202

60 Month Share Certificate

2.52% ▼ 0.31% below national avg

View

▼

Rate2.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.83%▼ 0.31% below avg

Details

Woodforest National Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

8451 Colerain Ave, Cincinnati, OH 45239

5 Year CD

$500

1.25% ▼ 1.58% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▼ 1.58% below avg

Details

Warsaw Federal S&L

Institution Rating:

A5.0 ★Texas Ratio: 10.25%

3533 Warsaw Ave, Cincinnati, OH 45205

60-Month CD

0.65% ▼ 2.18% below national avg

View

▼

Rate0.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▼ 2.18% below avg

Details

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

3300 Harrison Ave, Cincinnati, OH 45211

60 Month Certificate

$500

0.65% ▼ 2.18% below national avg

View

▼

Rate0.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▼ 2.18% below avg

Details

Greater Cincinnati School Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

7221 Montgomery Rd, Cincinnati, OH 45236

60 Month Diamond Club Certificates

$300

0.50% ▼ 2.33% below national avg

View

▼

Rate0.50%

Min Deposit$300

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 2.33% below avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

60 Months Term Certificate

$1,000

0.35% ▼ 2.48% below national avg

View

▼

Rate0.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 2.48% below avg

Details

St James Parish Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

6195 Cheviot Rd, Cincinnati, OH 45247 6120

IRA Term Certificate 60 Months

$1,000

0.35% ▼ 2.48% below national avg

View

▼

Rate0.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▼ 2.48% below avg

Details

IRA Term Certificates*

Cincinnati Interagency Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.66%

26 Martin Luther King Dr W, Cincinnati, OH 45220 2242

60 Month Share Certificate

$500

0.10% ▼ 2.73% below national avg

View

▼

Rate0.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▼ 2.73% below avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

60 Month Print Share and IRA Jumbo Certificates

4.65% ▲ 1.82% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.82% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

60 Month Print Share and IRA Certificates

4.55% ▲ 1.72% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.72% above avg

Details

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

60 Month Share and IRA Certificates

4.55% ▲ 1.72% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.72% above avg

Details

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

60 Month Bonus CD

4.50% ▲ 1.67% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.67% above avg

Details

Minimum to Obtain: $500

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

60 Month Share Certificate

4.31% ▲ 1.48% above national avg

View

▼

Rate4.23%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.48% above avg

Details

Dividends Compound & Paid: Daily

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.44%

Share Certificate - 60 Month

4.31% ▲ 1.48% above national avg

View

▼

Rate4.23%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.83%▲ 1.48% above avg

Details

Dividends Compound & Paid: Daily

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

60 Month Regular Certificates

$1,000

4.20% ▲ 1.37% above national avg

View

▼

Rate4.12%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▲ 1.37% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 60-Month

$1,000

4.20% ▲ 1.37% above national avg

View

▼

Rate4.12%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▲ 1.37% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates 60-Month

$1,000

4.20% ▲ 1.37% above national avg

View

▼

Rate4.12%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.83%▲ 1.37% above avg

Details

River Valley Credit Union Miamisburg, OH

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

Business 60 months Jumbo Certificate

$100,000

4.20% ▲ 1.37% above national avg

View

▼

Rate4.12%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.37% 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% ▲ 1.37% above national avg

View

▼

Rate4.12%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.37% 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% ▲ 1.37% above national avg

View

▼

Rate4.12%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.83%▲ 1.37% above avg

Details

Croghan Colonial Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

60 Month Certificate of Deposit (CD)

$500

4.18% ▲ 1.35% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.83%▲ 1.35% above avg

Details

APY = Annual Percentage Yield. Minimum Balance = the amount of principal in the account each day. Fees could reduce earnings on the account. Rates are subject to change without notice. APY accurate as of 09/16/2026. Early withdrawal penalties apply. CDs automatically renew at maturity at current renewal rates. Account subject to deposit account approval.

Disclaimer

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.

Top CD Rates from Cincinnati, Ohio Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates

CF Bank

12 Month Certificate

A 5.0 ★ TX: 8.47%

Min: $0

4.00%

Republic Bank & Trust Company

6 Month Certificates of Deposit

A+ 5.0 ★ TX: 2.91%

Min: $1,000

3.90%

CINCINNATI OHIO POLICE

1 Year Certificate

A 5.0 ★ TX: 7.13%

Min: $0

3.70%

Truist

12 Month Certificate of Deposit (CDs)

A+ 5.0 ★ TX: 3.81%

Min: $0

3.25%

Heritage Bank, Inc.

3 Month CD Specials

A+ 5.0 ★ TX: 4.11%

Min: $2,000

3.00%

CU Top 5 Credit Union Rates

General Electric Credit Union

6-month intro

A 5.0 ★ TX: 6.01%

Min: $0

4.99%

Childrens Medical Center Federal Credit Union

2 year Certificate

A+ 5.0 ★ TX: 1.15%

Min: $500

4.36%

Kemba Credit Union

60 Month Certificates

A+ 5.0 ★ TX: 5.14%

Min: $0

4.00%

St James Parish Credit Union

12 Months Term Certificate

A+ 5.0 ★ TX: 1.26%

Min: $1,000

3.82%

Greater Cincinnati School Credit Union

1 Year Diamond Club Certificates

A+ 5.0 ★ TX: 1.30%

Min: $0

3.82%

Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Cincinnati, OH CD Rate Trends

Compare local Cincinnati, 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.

View Full Ohio CD Trends

12-Month CD OH Avg

2.945%

▲ 0.004 vs 7 days ago

Ohio 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.

6-Month CD OH Avg

2.760%

Unchanged vs 7 days ago

Ohio 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.

As of Sep 23, 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

2.945%

6-Month Forecast

2.945%

Range: 2.75% – 3.10%

12-Month Forecast

3.195%

Range: 3.00% – 3.35%

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	2.055%	$102.77	$205.54	$513.85	$1,027.70
6-Month CD	2.760%	$137.99	$275.97	$689.93	$1,379.85
12-Month CD	2.945%	$147.27	$294.54	$736.35	$1,472.70
18-Month CD	2.813%	$140.67	$281.33	$703.32	$1,406.65
24-Month CD	2.833%	$141.64	$283.27	$708.18	$1,416.35
36-Month CD	2.754%	$137.68	$275.36	$688.40	$1,376.80
48-Month CD	2.759%	$137.97	$275.93	$689.82	$1,379.65
60-Month CD	2.834%	$141.70	$283.39	$708.48	$1,416.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for Cincinnati, 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.

Build Your Ladder

Rung	Term	Deposit	OH Avg APY	Annual Earnings
1	3-Month CD	$5,000	2.055%	$102.77
2	6-Month CD	$5,000	2.760%	$137.99
3	12-Month CD	$5,000	2.945%	$147.27
4	24-Month CD	$5,000	2.833%	$141.64
5	36-Month CD	$5,000	2.754%	$137.68
Total ($25,000 invested)		$25,000	2.669% blended	$667.35/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.

1,725

CD Rates
Tracked in Cincinnati, Ohio

46 Banks 90 Credit Unions

About Our Cincinnati, Ohio CD Rate Database

MonitorBankRates tracks 1,725 CD rates from 46 banks and 90 credit unions with locations in Cincinnati, 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: General Electric Credit Union offers a CD at 4.99% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Cincinnati, Ohio.

How to Find the Best CD Rates in Cincinnati, Ohio

What to compare when shopping for a CD in Cincinnati, Ohio

To find the best APYs in Cincinnati, Ohio, start with credit unions and online-only banks: Cincinnati, Ohio has 90 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 Cincinnati, 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 Cincinnati, Ohio: 136 institutions here report CD rates

Consider an Alternative If…

You may need the funds within 30 days. Compare Cincinnati, 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 Cincinnati, Ohio money market rates

Cincinnati, Ohio Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+

13.5%

National avg: 17.3%

Median Individual Earnings

$37,395

National avg: $47,340

Poverty Rate

25.5%

National avg: 11.1%

Unemployment Rate

6.8%

National avg: 4.8%

CD Earnings on 10% of Salary

$110/yr

At OH 12-mo avg 2.945% APY

13.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s OH 12-month CD average of 2.945%, saving 10% of the local median salary ($3,739/year) and putting it in a CD would earn an additional $110 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio as everywhere in the U.S.

Choosing a CD Term in Cincinnati, 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 Cincinnati, Ohio savers easier access to their funds. For example, General Electric Credit Union is offering its 6-month intro at 4.99% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Childrens Medical Center Federal Credit Union is offering its 5 Year IRA at 4.11% 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio

Most CDs carry a fixed rate that is locked for the entire term, protecting a Cincinnati, 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 Cincinnati, Ohio

Are CD rates in Cincinnati, Ohio FDIC insured?

Yes, most established banks in Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio?

Here are recent top rates found for this area:

General Electric Credit Union: 4.99% APY (6-month intro)
Childrens Medical Center Federal Credit Union: 4.36% APY (2 year Certificate)
CF Bank: 4.00% APY (12 Month Certificate)
Kemba Credit Union: 4.00% APY (60 Month Certificates)
Republic Bank & Trust Company: 3.90% APY (6 Month Certificates of Deposit)
St James Parish Credit Union: 3.82% APY (12 Months Term Certificate)
Greater Cincinnati School Credit Union: 3.82% APY (1 Year Diamond Club Certificates)
Cinfed Federal Credit Union: 3.80% APY (48 Month Certificate)
CINCINNATI OHIO POLICE: 3.70% APY (1 Year Certificate)
Postal Family Credit Union: 3.61% APY (60 Month Share Certificate)

Rates reflect recent verified offers available in Cincinnati, Ohio. Last Updated: September 22, 2026

Cincinnati, 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 Cincinnati, Ohio rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

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.

Top Cincinnati, Ohio CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY

Highest verified APY per term available in Cincinnati, Ohio. Averages shown use the Ohio state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Cincinnati, Ohio

Cincinnati, Ohio CD Calculator

At today’s OH top rate of 4.99% APY, a $10,000 deposit earns $499 in the first year. Enter your amount to see your exact return.

Cincinnati, Ohio CD Ladder

OH CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Cincinnati, Ohio CD at 4.99% 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 Savings

Ohio’s average 12-month CD is 2.945% 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 22, 2026