Current Cincinnati, Ohio CD rates include TruPartner Credit UnionTruPartner Credit Union1800 Vine St, Cincinnati, OH 45202A5.0 ★Texas Ratio: 7.65% offering 12 Month Savings Builder Certificate at 4.00% APY, Republic Bank & Trust CompanyRepublic Bank & Trust Company8050 Hosbrook Rd, Cincinnati, OH 45236A+5.0 ★Texas Ratio: 0.00% offering IRA - Individual Retirement Accounts 6-Month at 4.00% APY, Greater Cincinnati School Credit UnionGreater Cincinnati School Credit Union7221 Montgomery Rd, Cincinnati, OH 45236A+5.0 ★Texas Ratio: 3.80% offering Diamond Club Certificates 1 Year at 3.82% APY, Cincinnatus S&L Co.Cincinnatus S&L Co.3300 Harrison Ave, Cincinnati, OH 45211A+5.0 ★Texas Ratio: 1.63% offering 6-month CD at 3.75% APY, and General Electric Credit UnionGeneral Electric Credit Union10485 Reading Rd, Cincinnati, OH 45241 2523A5.0 ★Texas Ratio: 7.74% offering 6-Month Certificate at 3.60% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.
Cincinnati has 42 local institutions in our database, with CD rates as high as 4.00% APY from TruPartner Credit Union at 1800 Vine St, Cincinnati, OH 45202. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Ohio area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 6, 2026
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
A penalty may be imposed for early withdrawal.
Relationship Bonus APY
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Available on New Funds and Consumer Accounts Only
Month 1 APY
$2,500 minimum opening balance. Penalty imposed for early withdrawal. Rates subject to change. Interest compounds monthly. Fees may reduce earnings. RENEWABLE. APY effective January 13, 2026. Member FDIC.
A penalty may be imposed for early withdrawal.
A penalty will be imposed for early withdrawal.
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
$500 minimum
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Personal Product APY
$500; Penalties for early withdrawal may apply.
Minimum investment is $1,000.00 unless noted. The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates
Maximum deposit $100 per week
Minimum Deposit $300. Dividends Paid Monthly
Available on New Funds and Consumer Accounts Only
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
More Than $100,000
Assumes 365 Days
$10,000
Relationship Bonus APY
New Funds Only
$500; Penalties for early withdrawal may apply.
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Over $50,000
Minimum deposit of $500 required.
$500 minimum
A penalty may be imposed for early withdrawal.
18-month CD with a 2.50% Annual Percentage Yield (APY). $1,000 minimum opening balance. Penalty imposed for early withdrawal. Rates subject to change. Interest compounds monthly. Fees may reduce earnings. NON-RENEWABLE. APY effective January 25, 2024. Member FDIC.
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
$5,000 or greater deposit
Relationship Bonus APY
Minimum investment is $1,000.00 unless noted. The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
More Than $100,000
Minimum deposit of $500 required.
$10,000
$500; Penalties for early withdrawal may apply.
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Minimum deposit of $500 required.
1
A penalty will be imposed for early withdrawal.
$5,000 or greater deposit
Dividends paid at maturity
$500; Penalties for early withdrawal may apply.
Relationship Bump-up Interest Rate
Relationship Bonus APY
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
$500 minimum
A penalty will be imposed for early withdrawal.
$5,000 or greater deposit
$500; Penalties for early withdrawal may apply.
Dividends paid at maturity
A penalty may be imposed for early withdrawal.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
As high as
$500 minimum
A penalty will be imposed for early withdrawal.
$5,000 or greater deposit
$500; Penalties for early withdrawal may apply.
$10,000
Relationship Bump-up Interest Rate
Relationship Bonus APY
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.
Ohio 12-month CD rates fell 1.152 points over the past 7 days to 1.803% APY.
Ohio 6-month CD rates fell 0.197 points over the past 7 days to 2.366% APY.
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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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.