Current East Liberty, Ohio CD rates include GLASS CITYGLASS CITYA+5.0 ★Texas Ratio: 2.83%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth CD at 5.00% APY, Materion Federal Credit UnionMaterion Federal Credit UnionA+5.0 ★Texas Ratio: 0.28%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, Childrens Medical Center Federal Credit UnionChildrens Medical Center Federal Credit UnionA+5.0 ★Texas Ratio: 0.57%Real return: +1.56%APY minus CPI (February 2026) offering Certificates of Deposit 2 year at 4.36% APY, CLEVELAND SELFRELIANCECLEVELAND SELFRELIANCEA5.0 ★Texas Ratio: 6.34%Real return: +1.51%APY minus CPI (February 2026) offering 24 Months Certificates at 4.31% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 4.79%Real return: +1.28%APY minus CPI (February 2026) offering Jumbo 6-Month Share Certificate at 4.08% APY. CD rates as of May 2, 2026 according to verified data from MonitorBankRates.
East Liberty is a smaller community with no bank or credit union branches currently in our database. 664 institutions serving the Ohio area are available to East Liberty residents, with CD rates as high as 5.00% APY from GLASS CITY. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 2, 2026
Limited time offer
Early withdrawals subject to penalty*
$50,000 & Over
Over $50,000
A penalty may be imposed for early withdrawal.
Open Online
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
Relationship Bonus APY
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Make the most of your funds and provide a premium interest rate!
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
Early withdrawals subject to penalty*
$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.
CD or IRA Offer
Dividends Paid Monthly.
Over $50,000
A penalty may be imposed for early withdrawal.
A penalty will be imposed for early withdrawal.
Maximum deposit $100 per week
Minimum $250,000
Minimum Deposit $300. Dividends Paid Monthly
A penalty will be imposed for early withdrawal.
More Than $100,000
Over $50,000
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Monthly
$500
CD or IRA Offer
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Over $50,000
Save more when you move at least $500 from another financial institution.
Limited Time CD Special!
More Than $100,000
as high as
CD or IRA Offer
Early withdrawals subject to penalty*
A penalty will be imposed for early withdrawal.
Please call to verify rates are still accurate. Share certificate dividends are accrued and paid quarterly. There is a 90 day dividend penalty for early withdrawal on all certificate accounts.
A penalty may be imposed for early withdrawal.
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
$500
Minimum Deposit $300. Dividends Paid Monthly
More Than $100,000
Minimum $250,000
Over $50,000
Bump one time
Please call to verify rates are still accurate. Share certificate dividends are accrued and paid quarterly. There is a 90 day dividend penalty for early withdrawal on all certificate accounts.
A penalty will be imposed for early withdrawal.
Early withdrawals subject to penalty*
Monthly
$500
Minimum Deposit $300. Dividends Paid Monthly
More Than $100,000
Over $50,000
as high as
Early withdrawals subject to penalty*
A penalty will be imposed for early withdrawal.
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
$500
Dividends paid at maturity
More Than $100,000
Over $50,000
A penalty will be imposed for early withdrawal.
Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate.
Monthly
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
$500; Penalties for early withdrawal may apply.
$500
Dividends paid at maturity
More Than $100,000
Minimum Deposit $300. Dividends Paid Monthly
Over $50,000
A penalty will be imposed for early withdrawal.
Early withdrawals subject to penalty*
$500; Penalties for early withdrawal may apply.
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
$500
Compare local East Liberty, OH CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Ohio 12-month CD rates fell 0.054 points over the past 7 days to 2.771% APY.
Ohio 6-month CD rates fell 0.033 points over the past 7 days to 2.505% APY.
Where are Ohio CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.
| CD Term | OH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.866% | $93.32 | $186.63 | $466.58 | $933.15 |
| 6-Month CD | 2.505% | $125.24 | $250.48 | $626.20 | $1,252.40 |
| 12-Month CD | 2.771% | $138.54 | $277.07 | $692.68 | $1,385.35 |
| 18-Month CD | 2.477% | $123.87 | $247.73 | $619.33 | $1,238.65 |
| 24-Month CD | 2.711% | $135.56 | $271.11 | $677.78 | $1,355.55 |
| 36-Month CD | 2.474% | $123.72 | $247.43 | $618.58 | $1,237.15 |
| 48-Month CD | 2.464% | $123.20 | $246.39 | $615.98 | $1,231.95 |
| 60-Month CD | 2.563% | $128.14 | $256.28 | $640.70 | $1,281.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 2, 2026. | |||||
$25,000 split equally across 5 terms using today’s Ohio average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.866% | $93.32 |
| 2 | 6-Month CD | $5,000 | 2.505% | $125.24 |
| 3 | 12-Month CD | $5,000 | 2.771% | $138.54 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.56 |
| 5 | 36-Month CD | $5,000 | 2.474% | $123.72 |
| Total ($25,000 invested) | $25,000 | 2.466% blended | $616.38/yr | |
Ladder example uses equal $5,000 rungs and Ohio average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 1,070 CD rates from 51 banks and 75 credit unions with locations in East Liberty, 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: GLASS CITY offers a CD at 5.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in East Liberty, Ohio.
What to compare when shopping for a CD in East Liberty, Ohio
To find the best APYs in East Liberty, Ohio, start with credit unions and online-only banks — East Liberty, Ohio has 75 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
18.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s OH 12-month CD average of 2.771%, saving 10% of the local median salary ($4,400/year) and putting it in a CD would earn an additional $122 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
At today’s OH top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
East Liberty, Ohio CD LadderOH CD rates currently range from 1.866% (3-month) to 2.474% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a East Liberty, Ohio CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOhio’s average 12-month CD is 2.771% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for East Liberty, 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 East Liberty, 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.