Current Findlay, Ohio CD rates include USXUSX539 S Main St, Findlay, OH 45840A+5.0 ★Texas Ratio: 5.49% offering 6 Month Share Savings Certificate at 3.75% APY, Hancock Federal Credit UnionHancock Federal Credit Union125 Trenton Ave, Findlay, OH 45840 3741A5.0 ★Texas Ratio: 10.23% offering 48 Month Certificate at 3.70% APY, The Union Bank CompanyThe Union Bank Company1500 Bright Rd, Findlay, OH 45840A+5.0 ★Texas Ratio: 0.71% offering 6 Month Special CD at 3.70% APY, Farmers & Merchants State Bank Archbold, OHFarmers & Merchants State Bank Archbold, OH1660 Tiffin Ave, Findlay, OH 45840A5.0 ★Texas Ratio: 6.88% offering 12 Month Fixed IRA at 3.20% APY, and FNB of PandoraFNB of Pandora1630 Tiffin Ave, Findlay, OH 45840A+5.0 ★Texas Ratio: 4.15% offering Variable Rate Retirement Accounts (IRAs 18 Month) at 2.78% APY. CD rates as of April 8, 2026 according to verified data from MonitorBankRates.
Findlay has 27 local institutions in our database, with CD rates as high as 3.75% APY from USX at 539 S Main St, Findlay, OH 45840. 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 8, 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 Bump-up Interest Rate
Month 1 APY
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 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 Deposit $300. Dividends Paid Monthly
$10,000
A penalty may 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.
Personal Product 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.
Over $50,000
Minimum deposit of $500 required.
A penalty may be imposed for early withdrawal.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
$5,000 or greater deposit
More Than $100,000
Minimum deposit of $500 required.
A penalty will be imposed for early withdrawal.
$10,000
A penalty may be imposed for early withdrawal.
Dividends paid at maturity
$500; Penalties for early withdrawal may apply.
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Relationship Bump-up Interest Rate
Minimum deposit of $500 required.
A penalty will be imposed for early withdrawal.
$5,000 or greater deposit
Dividends paid at maturity
$500; Penalties for early withdrawal may apply.
APY with Bonus Rate: 2.10%
Personal Product APY
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
A penalty will be imposed for early withdrawal.
$5,000 or greater deposit
$500; Penalties for early withdrawal may apply.
A penalty may be imposed for early withdrawal.
Relationship Bump-up Interest Rate
A penalty will be imposed for early withdrawal.
$5,000 or greater deposit
$500; Penalties for early withdrawal may apply.
$10,000
Compare local Findlay, OH CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Ohio 12-month CD rates rose 0.884 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 Findlay, 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 Findlay, 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.