CD Rates Flat Rock, Ohio (OH) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Flat Rock, 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, Fasson Employees Federal Credit UnionFasson Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.77%Real return: +1.45%APY minus CPI (February 2026) offering 12 Month Maturity Certificate Accounts at 4.25% APY, and Homeland Credit UnionHomeland Credit UnionA+5.0 ★Texas Ratio: 1.53%Real return: +1.38%APY minus CPI (February 2026) offering 24 Mo. Share and IRA Certificates at 4.18% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Flat Rock is a smaller community with no bank or credit union branches currently in our database. 401 institutions serving the Ohio area are available to Flat Rock 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: April 12, 2026
Compare Best CD Rates in Flat Rock, Ohio & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3 MONTH CD SPECIAL EARNING
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Limited time offer
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Unified Bank Martins Ferry, OH
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3 Month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
3-MONTH CD
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
3-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate KEMBA Advantage
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
90 Day Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month Certificate Account
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month Term Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
IRA/ESA Share Certificates 3 Month TruBenefits
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Regular Certificates 3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Share Certificate
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.13%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3 Month Certificates / IRA Certificates
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.23%
3 Month Certificate
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
3 Month Certificate
$500
1.01%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Open Online
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
3 Month CD
$500
0.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Standard Certificates 3 Month
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 - $99,999.99
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sutton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
90 Day Tiered Certificate of Deposits/IRA's
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Day Board CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
6 Month Share Certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Share Certificate of Deposit (CD) 6 month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
6 Month Regular/IRA Share Certificate
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples First Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificate of Deposit Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
6 mo Share Certificate
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fort Jennings State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate 6 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
6 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share and IRA Jumbo Certificates 6 Mo.
$0
3.64%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
6-Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
6 Month Certificate Account
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
The Peoples S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$2,500
3.55%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty will be imposed for early withdrawal.
Equitable S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
6 Month Certificates of Deposit (CDs)
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
IRA & HSA Certificates 6 Month Platinum
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
National Cooperative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Month Impact Certificate of Deposit
$2,500
3.36%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
6 Month Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6 Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Genesis Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
6 Month Share Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 Month Term Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
6 month Certificate
$100,000
3.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
6 Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
6 Month IRA Certificate
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
6-Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 66.41%
Certificate of Deposit 6 Month
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
IRA/ESA Share Certificates 6 Month TruAdvantage
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
DreamMaker Youth Term-Share Certificate 6 Month Certificate
$0
2.49%
▼
Rate2.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
6 month Certificate of Deposit
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
6 Month Term Share Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.23%
6 Month Certificate
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month Certificate
$500
1.26%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Month Certificate
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Bay Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 MONTH IRA CERT
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Conneaut Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate of Deposit
$1,000
0.99%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Personal Product APY
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Relationship Bump-up Interest Rate
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Faith Community United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Certificates of Deposits, minimum deposit 6 Month
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500; Penalties for early withdrawal may apply.
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
6 month CD
$0
0.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BFG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Share & IRA Certificate
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 - $99,999.99
First Fed Delta
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
182 Day (6 Month) CDs & IRAs
$1,000
0.07%
▼
Rate0.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month Board CD
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12 Month Certificate
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 1 year
$0
4.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
12 Month Maturity Certificate Accounts
$1,000
4.25%
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
United Midwest Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
12-Month IRA Certificate
$0
3.93%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Month Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
Diamond Club Certificates 1 Year
$300
3.82%
▼
Rate3.75%
Min Deposit$300
Min Balance—
UpdatedApr 12, 2026
Details
Minimum Deposit $300. Dividends Paid Monthly
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 Month Term Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
12 mo Share Certificate
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
12 Month Regular/IRA Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
IRA Share Certificate (1 Year)
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1 Year Certificates & IRAs
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
12 Month CD
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
12 Month Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank in New Bremen
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
12 Month CD
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
12 month Certificate of Deposit
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
12 Month CD
$1,000
3.47%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
1-Year Jumbo Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share and IRA Jumbo Certificates 12 Mo.
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Stark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Growth Certificate (Less than 1 Year
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$10,000
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
12 Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month CD/IRA
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Conneaut Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
12 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Relationship Bonus APY
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Fixed IRA
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month CD
$500
3.18%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
National Cooperative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
12 Month Impact Certificate of Deposit
$2,500
3.15%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
First Fed Delta
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12 Month CDs & IRAs
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 66.41%
Certificate of Deposit 12 Month
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
12 Months (1 Year) IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
12 Month Certificate Everyday
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
IRA/ESA Share Certificates 12 Month TruBenefits
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fahey Banking Company
Institution Rating:
A-5.0 ★Texas Ratio: 15.41%
1-Year CD Special
$5,000
2.50%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
New Funds Only
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
12 Month Certificate of Deposit
$500
2.43%
▼
Rate2.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Versailles S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12-Month Certificates
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
12 Month Certificate
$500
1.82%
▼
Rate1.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Faith Community United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Certificates of Deposits, minimum deposit 1 year
$500
1.76%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500; Penalties for early withdrawal may apply.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
12 Month Liquid Certificate
$2,500
1.60%
▼
Rate1.59%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
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.
First Ohio Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
12 MO CERTIFICATE
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bay Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 MONTH IRA CERT
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 MONTH IRA / ROTH TDOA
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates & IRA Certificates 18-month bump
$50,000
3.79%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Over $50,000
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month Regular/IRA Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
IRA Certificates 18 Month
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Fixed IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
More Than $100,000
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
IRA Certificates 18 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum deposit of $500 required.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
18 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
18-Month IRA Certificate
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Genesis Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
18 Month Share Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Certificate/IRA
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
18-Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Mo. Share and IRA Certificates
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty will be imposed for early withdrawal.
First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month CD
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
Share & IRA Certificates - 18 Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
18 Month CD
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Month Certificate Account
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
18 Month Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
IRA/ESA Share Certificates 18 Month TruBenefits
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Variable Rate Retirement Accounts (IRAs 18 Month)
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Share Certificate of Deposit (CD) 18 month
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
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.
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
18 Month Certificate of Deposit
$500
2.43%
▼
Rate2.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
18 Month CD
$1,000
2.23%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
18 Month Certificates / IRA Certificates
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
18 Month Certificate
$500
1.92%
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month Certificate & IRA Certificate
$500
1.70%
▼
Rate1.69%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
The Peoples Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD/IRA
$5,000
1.46%
▼
Rate1.45%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Home SB of Wapakoneta
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
C&SB of Millersburg, Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 Month CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 & Above
Conneaut Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
18 Month Certificate of Deposit
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Relationship Bonus APY
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sutton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month Certificate of Deposits/IRA's
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 - $99,999.99
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month IRA Certificate
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
for Nov
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18 Month Board CD
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
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: 0.57%
Certificates of Deposit 2 year
$0
4.36%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Mo. Share and IRA Certificates
$0
4.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples First Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA (Variable)
$100
4.02%
▼
Rate3.94%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
24-Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
24 Month Regular/IRA Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Fixed IRA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
More Than $100,000
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
IRA Certificates 24 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum deposit of $500 required.
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
24 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
IRA Share Certificate (2 Year)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
24 month Savings Certificates
$1,000
3.56%
▼
Rate3.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty will be imposed for early withdrawal.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
2-Year Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 - $99,999.99
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2 Year Certificate of Deposit
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
24 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
24 Month Share Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Stark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Growth Certificate (Less than 2 Year
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$10,000
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Share, IRA, and Coverdale Certificate 24 month
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month CD
$500
3.18%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
24 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fort Jennings State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate 24 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
24-Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
24 month Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
24 Months (2 Year) IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
24 Month Certificate Everyday
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
IRA/ESA Share Certificates 24 Month TruBenefits
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
24 Month CD
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 66.41%
Certificate of Deposit 24 Month
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
24 Month Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
IRA 24 Month Fixed Rate
$250
2.69%
▼
Rate2.65%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Versailles S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
2.57%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD/IRA
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
24 Month CD
$1,000
2.28%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
24 Month Certificate
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Faith Community United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Certificates of Deposits, minimum deposit 2 year
$500
2.22%
▼
Rate2.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500; Penalties for early withdrawal may apply.
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
BFG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24 Month Share & IRA Certificate
$0
1.90%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 Month Certificate & IRA Certificate
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Bay Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 MONTH IRA CERT
$1,000
1.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Home SB of Wapakoneta
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$500
1.31%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2 YEAR IRA / ROTH
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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: 0.57%
Certificates of Deposit 3 year
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
36 Month Freedom Regular/IRA Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36-Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
IRA Certificates 36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum deposit of $500 required.
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
IRA Certificates 36 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
36 mo Share Certificate
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Fixed IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
More Than $100,000
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
36 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
36 month Savings Certificates
$1,000
3.61%
▼
Rate3.56%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.23%
36 Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
Term Share (3 Year)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 36 Month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 - $99,999.99
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
36 Months (3 Year) IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
36 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
3-Year Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
36 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
36 month Certificate of Deposit
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
IRA 36 month CD
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Share, IRA, and Coverdale Certificate 36 month
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
36 Month IRA Certificate
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
IRA/ESA Share Certificates 36 Month TruBenefits
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
36 Month Share Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
IRA 36 Month Fixed Rate
$250
2.69%
▼
Rate2.65%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD/IRA
$5,000
2.52%
▼
Rate2.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
36 Month Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Faith Community United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Certificates of Deposits, minimum deposit 3 year
$500
2.32%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500; Penalties for early withdrawal may apply.
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Share Certificate of Deposit (CD) 36 month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Certificate & IRA Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
BFG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
36 Month Share & IRA Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
36 Month CD
$1,000
1.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Relationship Bump-up Interest Rate
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 YEAR IRA / ROTH
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
36 Month "Step-Up" Certificates of Deposits
$1,000
0.90%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate may be stepped up to a higher rate once during the CD's term
Versailles S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sutton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
36 Month Certificate of Deposits/IRA's
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Equitable S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Certificates of Deposit (CDs)
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
36 Month Board CD
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
48 Month Certificate
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month Regular/IRA Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48-Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
48 mo Share Certificate
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Fixed IRA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
More Than $100,000
Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.23%
48 Month Certificate
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
48 month Savings Certificates
$1,000
3.61%
▼
Rate3.56%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
Term Share (4 Year)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
48 Month Certificate
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
IRA Certificates 48 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share and IRA Jumbo Certificates 48 Mo.
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
48 Month Certificate KEMBA Advantage
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty will be imposed for early withdrawal.
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 48 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
48 Month (4 Year) IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Share Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
IRA/ESA Share Certificates 48 Month TruBenefits
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Firestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4 Year Term Share
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Share, IRA, and Coverdale Certificate 48 month
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD/IRA
$5,000
2.98%
▼
Rate2.95%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Month CD*
$1,000
2.78%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
IRA 48 Month Fixed Rate
$250
2.69%
▼
Rate2.65%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
48 Month CD
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Month Certificate & IRA Certificate
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Bay Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 MONTH IRA CERT
$1,000
2.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
48 Month Certificate
$500
2.07%
▼
Rate2.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Certificate Account
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
4 Year CD
$500
2.01%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificates 48 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Home SB of Wapakoneta
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$500
1.96%
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Relationship Bump-up Interest Rate
Ohio State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-month Certificates of Deposit
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BFG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Share & IRA Certificate
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
48 Month Certificate
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4 YEAR IRA / ROTH
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Versailles S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60 Month Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 5 year
$0
4.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
60 Month Regular/IRA Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
IRA Certificates 60 Month
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
60 mo Share Certificate
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Fixed IRA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
More Than $100,000
Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.23%
60 Month Certificate
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
60 month Savings Certificates
$1,000
3.66%
▼
Rate3.61%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
IRA Share Certificate (5 Year)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
60 Month Certificate/IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
60 Month Certificate
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Share and IRA Jumbo Certificates 60 Mo.
$0
3.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
60 Month Certificate KEMBA Advantage
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
60 Month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
60 Month Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
As high as
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
60 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Peoples Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD/IRA
$5,000
3.14%
▼
Rate3.10%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
60 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
5-Year Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Faith Community United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Certificates of Deposits, minimum deposit 5 year
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500; Penalties for early withdrawal may apply.
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Share, IRA, and Coverdale Certificate 60 month
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Stark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Growth Certificate (Less than 5 Year
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$10,000
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
IRA 60 Month Fixed Rate
$250
2.69%
▼
Rate2.65%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Bay Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 MONTH IRA CERT
$1,000
2.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Osgood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Certificate of Deposit 48-60 Month CD
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Month Certificate & IRA Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Relationship Bump-up Interest Rate
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
60 Month Certificate
$500
2.32%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Home SB of Wapakoneta
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
60 Month One Bump Personal and Business CD and IRA Specials
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
60 Month CD
$1,000
2.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificates 60 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
60 Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
5 Year CD
$500
1.35%
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
60 MONTH FIXED IRA ACCOUNT
$100
1.00%
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
BFG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
60 Month Share & IRA Certificate
$500
0.80%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 - $99,999.99
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
60 Month Board CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Conneaut Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
60 Month Certificate of Deposit
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Relationship Bonus APY
Fort Jennings State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate 60 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Flat Rock, OH CD Rate Trends
Compare local Flat Rock, 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.
12-Month CD — OH Avg
2.829%
Unchanged vs 7 days ago
Ohio 12-month CD rates currently average 2.829% APY based on data from institutions in our monitoring network.
6-Month CD — OH Avg
2.657%
Unchanged vs 7 days ago
Ohio 6-month CD rates currently average 2.657% APY based on data from institutions in our monitoring network.
As of Apr 12, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OH 12-Month Avg APY
2.829%
6-Month Forecast
2.829%
Range: 2.63% – 2.98%
12-Month Forecast
2.579%
Range: 2.38% – 2.73%
Powered by
MonitorBankRates
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 | 1.805% | $90.23 | $180.46 | $451.15 | $902.30 |
| 6-Month CD | 2.657% | $132.85 | $265.69 | $664.23 | $1,328.45 |
| 12-Month CD | 2.829% | $141.45 | $282.90 | $707.25 | $1,414.50 |
| 18-Month CD | 2.460% | $122.99 | $245.97 | $614.93 | $1,229.85 |
| 24-Month CD | 2.711% | $135.56 | $271.12 | $677.80 | $1,355.60 |
| 36-Month CD | 2.586% | $129.30 | $258.59 | $646.48 | $1,292.95 |
| 48-Month CD | 2.637% | $131.83 | $263.66 | $659.15 | $1,318.30 |
| 60-Month CD | 2.618% | $130.89 | $261.77 | $654.43 | $1,308.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Flat Rock, 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.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.805% | $90.23 |
| 2 | 6-Month CD | $5,000 | 2.657% | $132.85 |
| 3 | 12-Month CD | $5,000 | 2.829% | $141.45 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.56 |
| 5 | 36-Month CD | $5,000 | 2.586% | $129.30 |
| Total ($25,000 invested) | $25,000 | 2.518% blended | $629.39/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.
110
Institutions
in Flat Rock, Ohio
in Flat Rock, Ohio
49 Banks
61 Credit Unions
About Our Flat Rock, Ohio CD Rate Database
MonitorBankRates tracks CD rates from 49 banks and 61 credit unions with locations in Flat Rock, 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 Flat Rock, Ohio.
How to Find the Best CD Rates in Flat Rock, Ohio
What to compare when shopping for a CD in Flat Rock, Ohio
To find the best APYs in Flat Rock, Ohio, start with credit unions and online-only banks — Flat Rock, Ohio has 61 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 Flat Rock, 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 Flat Rock, Ohio — 110 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Flat Rock, Ohio savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Flat Rock, Ohio money market rates
Ohio Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
18.3%
National avg: 17.3%
Median Individual Earnings
$44,003
National avg: $47,340
Poverty Rate
13.3%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$124/yr
At OH 12-mo avg 2.829% APY
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 2.829%, saving 10% of the local median salary ($4,400/year) and putting it in a CD would earn an additional $124 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 Flat Rock, 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 |
Frequently Asked Questions about CD Rates in Flat Rock, Ohio
Are CD rates in Flat Rock, Ohio FDIC insured?
Yes, most established banks in Flat Rock, 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 Flat Rock, 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 Flat Rock, 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 Flat Rock, 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 Flat Rock, Ohio?
Here are recent top rates found for this area:
- GLASS CITY: 5.00% APY (12 Month Youth CD)
- Materion Federal Credit Union: 4.50% APY (12 Month Certificate)
- Childrens Medical Center Federal Credit Union: 4.36% APY (Certificates of Deposit 2 year)
- Fasson Employees Federal Credit Union: 4.25% APY (12 Month Maturity Certificate Accounts)
- Homeland Credit Union: 4.18% APY (24 Mo. Share and IRA Certificates)
- LCE Federal Credit Union: 4.16% APY (6 Month Share Certificate)
- DOVER PHILA: 4.08% APY (6 Month Certificate)
- Peoples First Savings Bank: 4.02% APY (24 Month IRA (Variable))
- United Midwest Savings Bank: 4.00% APY (12 Month CD)
- Telhio Credit Union: 4.00% APY (24-Month CD)
Rates reflect recent verified offers available in Flat Rock, Ohio. Last Updated: April 12, 2026
CD Calculators for Flat Rock, Ohio
Flat Rock, Ohio CD Calculator
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.
Flat Rock, Ohio CD LadderOH CD rates currently range from 1.805% (3-month) to 2.586% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Flat Rock, 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 2.829% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Flat Rock, 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 Flat Rock, 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: April 12, 2026
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