Painesville, Ohio Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Painesville, Ohio CD rates range from 0.01% to 6.03% APY, verified by MonitorBankRates as of October 14, 2026. Current Painesville, Ohio CD rates include Fasson Employees Federal Credit UnionFasson Employees Federal Credit Union250 Chester St # 1 E, Painesville, OH 44077 4118A+5.0 ★Texas Ratio: 0.73%Real return: +1.45%APY minus CPI (February 2026) offering Certificate Accounts - 12 Month Maturity at 4.25% APY, LCE Federal Credit UnionLCE Federal Credit Union77 N Saint Clair St, Painesville, OH 44077A+5.0 ★Texas Ratio: 2.33%Real return: +1.26%APY minus CPI (February 2026) offering Share Certificate - 12 Month at 4.06% APY, L.E.O Credit UnionL.E.O Credit Union155 Freedom Rd, Painesville, OH 44077A5.0 ★Texas Ratio: 10.93%Real return: +0.85%APY minus CPI (February 2026) offering 18 Month Certificate at 3.65% APY, Dollar Bank, Federal Savings BankDollar Bank, Federal Savings Bank1209 Mentor Ave, Painesville, OH 44077A+5.0 ★Texas Ratio: 5.29%Real return: +0.55%APY minus CPI (February 2026) offering 60 Month Relationship CD at 3.35% APY, and PNC BankPNC Bank40 W Erie St, Painesville, OH 44077A+5.0 ★Texas Ratio: 4.24%Real return: -2.77%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 0.03% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Painesville has 85 local institutions in our database, with CD rates as high as 4.25% APY from Fasson Employees Federal Credit Union at 250 Chester St # 1 E, Painesville, OH 44077 4118. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Ohio area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Painesville, Ohio & the Surrounding Area
Painesville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
3 Month Traditional Term CD
$0
0.10%
▼ 1.55% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▼ 1.55% below avgNationally 2.09%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
3 Month Certificate of Deposit
$0
0.03%
▼ 1.62% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▼ 1.62% below avgNationally 2.09%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
3 Month Certificate of Deposit
$0
0.02%
▼ 1.63% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▼ 1.63% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
3 Month Certificate of Deposit
$0
0.01%
▼ 1.64% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▼ 1.64% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.93% above Ohio avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average1.65%▲ 2.93% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08%
▲ 2.43% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 2.43% above avgNationally 2.09%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 3 Months
$500
3.90%
▲ 2.25% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 2.25% above avgNationally 2.09%
Details
APY = Annual Percentage Yield; minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 3.90% APY
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Certificate of Deposit
$500
3.85%
▲ 2.20% above Ohio avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 2.20% above avgNationally 2.09%
Details
Early withdrawals subject to penalty
Rate History
No change since Oct 14, 2026 · 3.85% APY
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
90 Day Certificate
$500
3.80%
▲ 2.15% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 2.15% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
- Oct 10, 20263.80%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 3 Months
$0
3.75%
▲ 2.10% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 2.10% above avgNationally 2.09%
Details
Certificates
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Unified Bank Martins Ferry, OH
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
3 Month CD
$1,000
3.71%
▲ 2.06% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 2.06% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. The APY's are accurate as of 10/01/26. CD Rates require a minimum of $1,000 to open and attain the stated APY. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. $1,000 minimum needed to earn the listed APY. Please contact us at 888.275.5566 for current rate information.
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
- Oct 3, 20263.71%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Certificate - 3 Months
$0
3.65%
▲ 2.00% above Ohio avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 2.00% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3-MONTH CD
$0
3.56%
▲ 1.91% above Ohio avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average1.65%▲ 1.91% above avgNationally 2.09%
Details
Rate History
1 change since Sep 19, 2026 · 3.46% → 3.56% ▲ 0.10 pts · high 3.56% / low 3.46%
- Sep 24, 20263.56%▲ from 3.46%
- Sep 19, 20263.46%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
3-Month Certificate
$0
3.55%
▲ 1.90% above Ohio avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.90% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Business 3-Month Certificate
$0
3.55%
▲ 1.90% above Ohio avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.90% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Certificates - 3-Month Certificate
$0
3.55%
▲ 1.90% above Ohio avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.90% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificates - 3 Months
$0
3.55%
▲ 1.90% above Ohio avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.90% above avgNationally 2.09%
Details
Balance: $50,000 & Over
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month CD
$1,000
3.50%
▲ 1.85% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.85% above avgNationally 2.09%
Details
Maximum deposit $250,000 when opened online; $500,000 when opened in the branch
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 14, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
CD Specials - 3 Months
$2,000
3.50%
▲ 1.85% above Ohio avg
▼
Rate3.44%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.85% above avgNationally 2.09%
Details
Early withdrawal penalty: 45 Days; Effective September 22, 2026; Public Funds ineligible for promotional CD rates
Rate History
No change since Oct 14, 2026 · 3.50% APY
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
3 Month Certificates +
$500
3.50%
▲ 1.85% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 1.85% above avgNationally 2.09%
Details
Funds from personal accounts, business accounts and IRAs
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$500
3.50%
▲ 1.85% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 1.85% above avgNationally 2.09%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Term IRA
$250
3.50%
▲ 1.85% above Ohio avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 1.85% above avgNationally 2.09%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
90 Day CD
$500
3.35%
▲ 1.70% above Ohio avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.70% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.35% APY
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Certificate of Deposit
$5,000
3.35%
▲ 1.70% above Ohio avg
▼
Rate3.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 1.70% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificates - 3 Months
$0
3.29%
▲ 1.64% above Ohio avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.64% above avgNationally 2.09%
Details
Balance: $1,000 - $49,999
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 5 times
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25%
▲ 1.60% above Ohio avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average1.65%▲ 1.60% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
- Oct 9, 20263.25%▲ from 2.89%
- Sep 14, 20262.89%first recorded
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3 Month IRA/ESA Share Certificates - TruAdvantage
$500
3.25%
▲ 1.60% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.60% above avgNationally 2.09%
Details
Rates effective as of Oct. 1, 2026; Penalty for early withdrawal; APY accurate as of last dividend declaration date
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 4 times
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA/ESA/Certificates - 3 Month
$0
3.25%
▲ 1.60% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.60% above avgNationally 2.09%
Details
TruAdvantage membership APY
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
3 Month Certificate
$1,000
3.25%
▲ 1.60% above Ohio avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.60% above avgNationally 2.09%
Details
Base Rates; Effective Date: 09/01/2026
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 4 times
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3 Month Share Certificate & IRA Certificate
$0
3.12%
▲ 1.47% above Ohio avg
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 1.47% above avgNationally 2.09%
Details
Balance: Over $75,000
Rate History
No change since Oct 4, 2026 · 3.12% APY · checked 3 times
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3 Month IRA/ESA Share Certificates - TruBenefits
$500
3.10%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.45% above avgNationally 2.09%
Details
Rates effective as of Oct. 1, 2026; Penalty for early withdrawal; APY accurate as of last dividend declaration date
Rate History
No change since Sep 22, 2026 · 3.10% APY · checked 4 times
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA/ESA/Certificates - 3 Month
$0
3.10%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.45% above avgNationally 2.09%
Details
TruBenefits membership APY
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 Month Regular Certificate
$500
3.05%
▲ 1.40% above Ohio avg
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.40% above avgNationally 2.09%
Details
Dividends compound quarterly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.05% APY
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate Account
$500
3.04%
▲ 1.39% above Ohio avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average1.65%▲ 1.39% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 5 times
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3 Month Share Certificate & IRA Certificate
$0
3.02%
▲ 1.37% above Ohio avg
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 1.37% above avgNationally 2.09%
Details
Balance: $500 - $14,999.99
Rate History
No change since Oct 4, 2026 · 3.02% APY · checked 3 times
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$500
3.00%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 1.35% above avgNationally 2.09%
Details
Everyday APY
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Term IRA
$250
3.00%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 1.35% above avgNationally 2.09%
Details
Everyday APY; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3 Month IRA/ESA Share Certificates
$500
3.00%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.35% above avgNationally 2.09%
Details
Rates effective as of Oct. 1, 2026; Penalty for early withdrawal; APY accurate as of last dividend declaration date
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.00% ▼ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.00%▼ from 3.10%
- Sep 14, 20263.10%first recorded
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA/ESA/Certificates - 3 Month
$0
3.00%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.35% above avgNationally 2.09%
Details
Regular APY
Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.10% / low 3.00%
- Oct 14, 20263.00%▼ from 3.10%
- Oct 10, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Term Share Certificate - 3 Months
$500
2.93%
▲ 1.28% above Ohio avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average1.65%▲ 1.28% above avgNationally 2.09%
Details
Early Withdrawal Penalty: 3 Month Dividend; Dividend Period: Monthly
Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 7 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.84%
▲ 1.19% above Ohio avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 1.19% above avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 12, 2026 · 2.84% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.79%
▲ 1.14% above Ohio avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 1.14% above avgNationally 2.09%
Details
Balance: $50,000 - $89,999
Rate History
No change since Oct 12, 2026 · 2.79% APY
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificate
$0
2.78%
▲ 1.13% above Ohio avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average1.65%▲ 1.13% above avgNationally 2.09%
Details
Balance: $250 - $10,000.00; Ages 18 and younger minimum $250.00, ages 19 and older minimum $500.00; Effective as of September 23, 2026
Rate History
No change since Sep 17, 2026 · 2.78% APY · checked 7 times
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Term Share Certificates - 3 Month
$500
2.75%
▲ 1.10% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average1.65%▲ 1.10% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 10, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Painesville 6 Month CD Rates
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: 2.33%
77 N Saint Clair St, Painesville, OH 44077
Share Certificate - 6 Month
$2,000
3.55%
▲ 0.76% above Ohio avg
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.79%▲ 0.76% above avgNationally 2.77%
Details
Minimum Amount: $2,000.00 ($500.00 minimum for 36 and 60-month certificates); 90-day penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
6 Month Relationship CD
$0
1.10%
▼ 1.69% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 1.69% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 1.10% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
6 Month Business Investment Certificate
$0
1.00%
▼ 1.79% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 1.79% below avgNationally 2.77%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
6 Month CD Ladder
$0
1.00%
▼ 1.79% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 1.79% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
6 Month Relationship CD
$0
1.00%
▼ 1.79% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 1.79% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
6 Month Traditional Term CD
$0
1.00%
▼ 1.79% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 1.79% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
6 Month Certificate of Deposit
$0
0.03%
▼ 2.76% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 2.76% below avgNationally 2.77%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 6 Months
$250
0.03%
▼ 2.76% below Ohio avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 2.76% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
6 Month Certificate of Deposit
$0
0.02%
▼ 2.77% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 2.77% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 6 Months
$250
0.02%
▼ 2.77% below Ohio avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 2.77% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
6 Month Certificate of Deposit
$0
0.01%
▼ 2.78% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 2.78% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 6 Months
$250
0.01%
▼ 2.78% below Ohio avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▼ 2.78% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Bonus CD
$0
4.75%
▲ 1.96% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.96% above avgNationally 2.77%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.75% APY · checked 5 times
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 6 Month
$0
4.40%
▲ 1.61% above Ohio avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.61% above avgNationally 2.77%
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.40% ▲ 0.44 pts · high 4.40% / low 3.96%
- Oct 12, 20264.40%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.51% above Ohio avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.79%▲ 1.51% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
6 Month Certificate
$500
4.25%
▲ 1.46% above Ohio avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.79%▲ 1.46% above avgNationally 2.77%
Details
Rate History
1 change since Sep 11, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 11, 20264.00%first recorded
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Share Certificates
$0
4.25%
▲ 1.46% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.46% above avgNationally 2.77%
Details
Balance: $500-$49,000; Dividends compound monthly
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 10, 20264.25%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Share Certificate - 6 Months
$500
4.25%
▲ 1.46% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.46% above avgNationally 2.77%
Details
Amount: $500 - $100,000+; Fixed rate of maturity; Up to three-month dividend penalty for early withdrawal prior to maturity; APY computed on daily balance
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 10, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24%
▲ 1.45% above Ohio avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.45% above avgNationally 2.77%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%first recorded
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
4.15%
▲ 1.36% above Ohio avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.36% above avgNationally 2.77%
Details
Penalty will be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 3.92% → 4.15% ▲ 0.23 pts · high 4.15% / low 3.92%
- Oct 14, 20264.15%▲ from 3.92%
- Sep 19, 20263.92%first recorded
LorMet Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month Certificate Special
$1,000
4.15%
▲ 1.36% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.79%▲ 1.36% above avgNationally 2.77%
Details
Certificates Federally Insured; Open LorMet Checking Account required; a penalty may be charged for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 8 times
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6-Month Certificate
$1,000
4.13%
▲ 1.34% above Ohio avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.34% above avgNationally 2.77%
Details
Minimum opening deposit $1,000.00 ($500.00 for custodial account); rates in effect 8-21-2026
Rate History
No change since Sep 25, 2026 · 4.13% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.31% above Ohio avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.31% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.31% above Ohio avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.31% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
IRA Certificate - 6 Month Certificate
$0
4.08%
▲ 1.29% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.29% above avgNationally 2.77%
Details
$500 minimum balance and dividend forfeiture for principal withdrawn prior to maturity; Rates effective as of October 1, 2026
Rate History
No change since Oct 14, 2026 · 4.08% APY
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Month Certificate of Deposit
$500
4.08%
▲ 1.29% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.29% above avgNationally 2.77%
Details
Rate History
No change since Sep 30, 2026 · 4.08% APY · checked 5 times
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates - 6 Months
$500
4.08%
▲ 1.29% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.29% above avgNationally 2.77%
Details
Business Minimum: $500.00
Rate History
No change since Sep 30, 2026 · 4.08% APY · checked 5 times
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Print Share and IRA Jumbo Certificates
$0
4.04%
▲ 1.25% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.79%▲ 1.25% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.64% → 4.04% ▲ 0.40 pts · high 4.04% / low 3.64%
- Sep 22, 20264.04%▲ from 3.64%
- Sep 14, 20263.64%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 6 Mo.
$0
4.04%
▲ 1.25% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.79%▲ 1.25% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.64% → 4.04% ▲ 0.40 pts · high 4.04% / low 3.64%
- Sep 22, 20264.04%▲ from 3.64%
- Sep 14, 20263.64%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
6 Month Certificates of Deposit
$500
4.02%
▲ 1.23% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.79%▲ 1.23% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 8 times
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
6 Month Share Certificate
$500
4.01%
▲ 1.22% above Ohio avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.22% above avgNationally 2.77%
Details
Early withdrawal: if certificate is less than 12 months, a 90 day dividend penalty applies; Rates as of 10/1/2026
Rate History
1 change since Sep 12, 2026 · 3.70% → 4.01% ▲ 0.31 pts · high 4.01% / low 3.70%
- Sep 25, 20264.01%▲ from 3.70%
- Sep 12, 20263.70%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00%
▲ 1.21% above Ohio avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00%
▲ 1.21% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00%
▲ 1.21% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▲ 1.21% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
6 Month Certificate of Deposit
$10,000
4.00%
▲ 1.21% above Ohio avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
New accounts only with $10,000 new money deposit
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Certificate of Deposit
$500
4.00%
▲ 1.21% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Certificate
$500
4.00%
▲ 1.21% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 9, 20264.00%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Term IRA
$250
4.00%
▲ 1.21% above Ohio avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates; Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 9, 20264.00%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 6 Months
$0
4.00%
▲ 1.21% above Ohio avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
Certificates
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 9, 20264.00%▲ from 3.90%
- Sep 14, 20263.90%first recorded
FIRELANDS
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
Share Certificate - 6 months
$500
4.00%
▲ 1.21% above Ohio avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.77%
Details
Dividends compounded and paid quarterly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
FNB of Waverly
Institution Rating:
B+4.7 ★Texas Ratio: 18.82%
6 Month Certificate Special
$1,000
3.98%
▲ 1.19% above Ohio avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.19% above avgNationally 2.77%
Details
Compound Method: Simple; Early Withdraw Penalty: 3 Months Interest
Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 7 times
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
6 Month Share Certificate
$0
3.97%
▲ 1.18% above Ohio avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.79%▲ 1.18% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 25, 2026 · 3.97% → 3.97% ▼ 0.00 pts · high 4.05% / low 3.97%
- Oct 12, 20263.97%▼ from 4.05%
- Oct 8, 20264.05%▲ from 3.97%
- Sep 25, 20263.97%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 6 Months
$500
3.95%
▲ 1.16% above Ohio avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.79%▲ 1.16% above avgNationally 2.77%
Details
APY = Annual Percentage Yield; minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 3.95% APY
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Certificate
$500
3.95%
▲ 1.16% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.79%▲ 1.16% above avgNationally 2.77%
Details
Balance: $500.00 - $Max
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Sep 29, 20263.95%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month IRA Certificate
$500
3.95%
▲ 1.16% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.79%▲ 1.16% above avgNationally 2.77%
Details
Balance: $500.00 - $Max
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 9, 20263.95%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
6 Month Certificate
$500
3.95%
▲ 1.16% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.16% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 10, 20263.95%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Print Share and IRA Certificate
$0
3.94%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.79%▲ 1.15% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54%
- Sep 22, 20263.94%▲ from 3.54%
- Sep 14, 20263.54%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Share and IRA Certificates
$0
3.94%
▲ 1.15% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.79%▲ 1.15% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54%
- Sep 22, 20263.94%▲ from 3.54%
- Sep 14, 20263.54%first recorded
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificate Account - 6 Month
$500
3.91%
▲ 1.12% above Ohio avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.79%▲ 1.12% above avgNationally 2.77%
Details
As of 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
- Sep 27, 20263.91%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Painesville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
250 Chester St # 1 E, Painesville, OH 44077 4118
Certificate Accounts - 12 Month Maturity
$1,000
4.25%
▲ 1.09% above Ohio avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.09% above avgNationally 2.99%
Details
Effective Date: 09/23/2026; Dividends are paid at maturity; Additional deposits are not allowed; Available terms may vary; No early withdrawals without a penalty
Rate History
No change since Oct 13, 2026 · 4.25% APY
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
77 N Saint Clair St, Painesville, OH 44077
Share Certificate - 12 Month
$2,000
4.06%
▲ 0.90% above Ohio avg
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 0.90% above avgNationally 2.99%
Details
Minimum Amount: $2,000.00 ($500.00 minimum for 36 and 60-month certificates); 90-day penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
L.E.O Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.93%
155 Freedom Rd, Painesville, OH 44077
12 Month Certificate
$500
3.50%
▲ 0.34% above Ohio avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 0.34% above avgNationally 2.99%
Details
Share Certificates ($500.00 & Up To $250,000.00); Nominal Rate 3.50%; Early withdrawal penalty: 90-day loss of dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
12 Month Relationship CD
$0
2.35%
▼ 0.81% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 0.81% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.35% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
12 Month Business Investment Certificate
$0
2.25%
▼ 0.91% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 0.91% below avgNationally 2.99%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
12 Month CD Ladder
$0
2.25%
▼ 0.91% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 0.91% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
12 Month Relationship CD
$0
2.25%
▼ 0.91% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 0.91% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
12 Month Traditional Term CD
$0
2.25%
▼ 0.91% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 0.91% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
12 Month Rising Rate CD
$0
2.00%
▼ 1.16% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 1.16% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
12 Month Certificate of Deposit
$0
0.03%
▼ 3.13% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 3.13% below avgNationally 2.99%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 12 Months
$250
0.03%
▼ 3.13% below Ohio avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 3.13% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
12 Month Certificate of Deposit
$0
0.02%
▼ 3.14% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 3.14% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 12 Months
$250
0.02%
▼ 3.14% below Ohio avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 3.14% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
12 Month Certificate of Deposit
$0
0.01%
▼ 3.15% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 3.15% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 12 Months
$250
0.01%
▼ 3.15% below Ohio avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▼ 3.15% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$500
6.03%
▲ 2.87% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.87% above avgNationally 2.99%
Details
Age: 19; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 6.03% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$500
5.93%
▲ 2.77% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.77% above avgNationally 2.99%
Details
Age: 18; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.93% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$500
5.82%
▲ 2.66% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.66% above avgNationally 2.99%
Details
Age: 17; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.82% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$500
5.72%
▲ 2.56% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.56% above avgNationally 2.99%
Details
Age: 16; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.72% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$500
5.62%
▲ 2.46% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.46% above avgNationally 2.99%
Details
Age: 15; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.62% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$500
5.51%
▲ 2.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.35% above avgNationally 2.99%
Details
Age: 14; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.51% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$500
5.41%
▲ 2.25% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.25% above avgNationally 2.99%
Details
Age: 13; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.41% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
5.30%
▲ 2.14% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.14% above avgNationally 2.99%
Details
Age: 12; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.30% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
5.20%
▲ 2.04% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 2.04% above avgNationally 2.99%
Details
Age: 11; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.20% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
5.10%
▲ 1.94% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.94% above avgNationally 2.99%
Details
Age: 10; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 5.10% APY · checked 8 times
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
12 Month Easy Save Certificate
$0
5.00%
▲ 1.84% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average3.16%▲ 1.84% above avgNationally 2.99%
Details
One Easy Save Certificate per member, per tax year. Maximum deposit balance is $6,500 (if you qualify).
Rate History
No change since Oct 9, 2026 · 5.00% APY
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
12 Month Youth CD
$100
5.00%
▲ 1.84% above Ohio avg
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.84% above avgNationally 2.99%
Details
Youth certificate
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.99%
▲ 1.83% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.83% above avgNationally 2.99%
Details
Age: 9; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.99% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.88%
▲ 1.72% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.72% above avgNationally 2.99%
Details
Age: 8; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.88% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.78%
▲ 1.62% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.62% above avgNationally 2.99%
Details
Age: 7; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.78% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.68%
▲ 1.52% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.52% above avgNationally 2.99%
Details
Age: 6; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.68% APY · checked 8 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 1.44% above Ohio avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average3.16%▲ 1.44% above avgNationally 2.99%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.58%
▲ 1.42% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.42% above avgNationally 2.99%
Details
Age: 5; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.58% APY · checked 8 times
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 12 Month
$0
4.50%
▲ 1.34% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average3.16%▲ 1.34% above avgNationally 2.99%
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
- Oct 12, 20264.50%▲ from 4.05%
- Sep 14, 20264.05%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month IRA Certificates
$0
4.50%
▲ 1.34% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.34% above avgNationally 2.99%
Details
Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA; Dividend Rate/APY printed as 4.41/4.50%
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 14, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month Standard Certificates
$0
4.50%
▲ 1.34% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.34% above avgNationally 2.99%
Details
Effective Date: 10/1/2026; Dividend Rate/APY printed as 4.41/4.50%
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 14, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.47%
▲ 1.31% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.31% above avgNationally 2.99%
Details
Age: 4; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.47% APY · checked 8 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 12 Months
$500
4.39%
▲ 1.23% above Ohio avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average3.16%▲ 1.23% above avgNationally 2.99%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
- Oct 8, 20264.39%▲ from 3.92%
- Sep 16, 20263.92%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.37%
▲ 1.21% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.21% above avgNationally 2.99%
Details
Age: 3; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.37% APY · checked 8 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month Online CD
$500
4.35%
▲ 1.19% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.19% above avgNationally 2.99%
Details
Online CD
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.19% above Ohio avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.19% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1 Year Certificates of Deposit
$500
4.31%
▲ 1.15% above Ohio avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.15% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.31% APY · checked 8 times
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$500
4.30%
▲ 1.14% above Ohio avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average3.16%▲ 1.14% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12 Month Business CD
$500
4.30%
▲ 1.14% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.14% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.14% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.14% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Youth Certificates
$100
4.27%
▲ 1.11% above Ohio avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.11% above avgNationally 2.99%
Details
Age: 2; Maximum $20,000.00 per child, regardless of number of certificates held
Rate History
No change since Sep 14, 2026 · 4.27% APY · checked 8 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$500
4.25%
▲ 1.09% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average3.16%▲ 1.09% above avgNationally 2.99%
Details
Table row 4 of 4 for 1 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 12-Month
$500
4.25%
▲ 1.09% above Ohio avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average3.16%▲ 1.09% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%▲ from 3.85%
- Sep 12, 20263.85%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 12-Month
$500
4.25%
▲ 1.09% above Ohio avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average3.16%▲ 1.09% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 8, 20264.25%▲ from 3.85%
- Sep 12, 20263.85%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Certificates +
$500
4.25%
▲ 1.09% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average3.16%▲ 1.09% above avgNationally 2.99%
Details
Funds from personal accounts, business accounts and IRAs
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Oct 5, 20264.25%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Painesville 18 Month CD Rates
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: 2.33%
77 N Saint Clair St, Painesville, OH 44077
Share Certificate - 18 Month
$2,000
3.70%
▲ 0.80% above Ohio avg
▼
Rate3.65%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.90%▲ 0.80% above avgNationally 2.88%
Details
Minimum Amount: $2,000.00 ($500.00 minimum for 36 and 60-month certificates); 90-day penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
L.E.O Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.93%
155 Freedom Rd, Painesville, OH 44077
18 Month Certificate
$500
3.65%
▲ 0.75% above Ohio avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.90%▲ 0.75% above avgNationally 2.88%
Details
Share Certificates ($500.00 & Up To $250,000.00); Nominal Rate 3.65%; Early withdrawal penalty: 90-day loss of dividends
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
18 Month Relationship CD
$0
2.60%
▼ 0.30% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 0.30% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
18 Month Business Investment Certificate
$0
2.50%
▼ 0.40% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 0.40% below avgNationally 2.88%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
18 Month CD Ladder
$0
2.50%
▼ 0.40% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 0.40% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
18 Month Relationship CD
$0
2.50%
▼ 0.40% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 0.40% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
18 Month Traditional Term CD
$0
2.50%
▼ 0.40% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 0.40% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
18 Month Certificate of Deposit
$0
0.03%
▼ 2.87% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 2.87% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 18 Months
$250
0.03%
▼ 2.87% below Ohio avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 2.87% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
18 Month Certificate of Deposit
$0
0.02%
▼ 2.88% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 2.88% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 18 Months
$250
0.02%
▼ 2.88% below Ohio avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 2.88% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
18 Month Certificate of Deposit
$0
0.01%
▼ 2.89% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 2.89% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 18 Months
$250
0.01%
▼ 2.89% below Ohio avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▼ 2.89% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 18 Month
$0
4.55%
▲ 1.65% above Ohio avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.65% above avgNationally 2.88%
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.55% ▲ 0.44 pts · high 4.55% / low 4.11%
- Oct 12, 20264.55%▲ from 4.11%
- Sep 14, 20264.11%first recorded
First Federal S&L of Van Wert
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month Certificate of Deposit
$0
4.50%
▲ 1.60% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.60% above avgNationally 2.88%
Details
NEW Special; Compound Frequency: Monthly; $2,500 minimum balance for monthly compound CD
Rate History
No change since Oct 14, 2026 · 4.50% APY
First Federal S&L of Van Wert
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month Certificate of Deposit
$0
4.48%
▲ 1.58% above Ohio avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.58% above avgNationally 2.88%
Details
NEW Special; Compound Frequency: Quarterly; $500 minimum balance for quarterly compound CD
Rate History
No change since Oct 14, 2026 · 4.48% APY
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 Month Print Share and IRA Jumbo Certificates
$0
4.38%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.90%▲ 1.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.38% ▲ 0.43 pts · high 4.38% / low 3.95%
- Sep 22, 20264.38%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 18 Mo.
$0
4.38%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.90%▲ 1.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.38% ▲ 0.43 pts · high 4.38% / low 3.95%
- Sep 22, 20264.38%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18-Month Certificate
$1,000
4.35%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.90%▲ 1.45% above avgNationally 2.88%
Details
as high as 4.35% APY; Rate shown as 'as high as'
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 9, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 18 Months
$0
4.35%
▲ 1.45% above Ohio avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.90%▲ 1.45% above avgNationally 2.88%
Details
Certificates
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 9, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
18 Month Share Certificate
$500
4.32%
▲ 1.42% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.42% above avgNationally 2.88%
Details
Early withdrawal: if certificate is greater than 12 months, a 180 day dividend penalty applies; Rates as of 10/1/2026
Rate History
1 change since Sep 12, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
- Sep 25, 20264.32%▲ from 3.80%
- Sep 12, 20263.80%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
18 Month Certificates of Deposit
$500
4.31%
▲ 1.41% above Ohio avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.90%▲ 1.41% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.31% APY · checked 8 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 18-Month
$500
4.30%
▲ 1.40% above Ohio avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.40% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 4, 20264.30%▲ from 4.05%
- Sep 20, 20264.05%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 18-Month
$500
4.30%
▲ 1.40% above Ohio avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.40% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
18 Month Certificates +
$500
4.30%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.90%▲ 1.40% above avgNationally 2.88%
Details
Funds from personal accounts, business accounts and IRAs
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
- Oct 5, 20264.30%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
18 Month Certificate
$500
4.30%
▲ 1.40% above Ohio avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.90%▲ 1.40% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
- Oct 9, 20264.30%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
18 Month Jumbo Certificate
$0
4.30%
▲ 1.40% above Ohio avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.90%▲ 1.40% above avgNationally 2.88%
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.30% ▲ 0.55 pts · high 4.30% / low 3.75%
- Oct 9, 20264.30%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 Month Print Share and IRA Certificate
$0
4.28%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.90%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85%
- Sep 22, 20264.28%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 Month Share and IRA Certificates
$0
4.28%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.90%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85%
- Sep 22, 20264.28%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12 thru 18 Month Certificate of Deposit
$5,000
4.25%
▲ 1.35% above Ohio avg
▼
Rate4.16%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Limited Time CD Specials; You Choose The Term!; $5,000.00 initial deposit required except those age 18 and under may open with $500; Public funds over $250,000.00 excluded; Effective Date: 10/12/2026
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 7 times
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
18 Month IRA / Roth TDOA
$0
4.25%
▲ 1.35% above Ohio avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Individual Retirement Accounts; TDOA; automatically renewable; penalty may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Certificate of Deposit
$500
4.25%
▲ 1.35% above Ohio avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 3 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18-Month Certificate
$0
4.25%
▲ 1.35% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Business 18-Month Certificate
$0
4.25%
▲ 1.35% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Certificates - 18-Month Certificate
$0
4.25%
▲ 1.35% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Share Certificate - 18-Month
$0
4.19%
▲ 1.29% above Ohio avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.29% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.64% → 4.19% ▲ 0.55 pts · high 4.19% / low 3.64%
- Oct 10, 20264.19%▲ from 3.64%
- Sep 14, 20263.64%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.25% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.25% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Genoa Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Eighteen-Month CD Special
$0
4.15%
▲ 1.25% above Ohio avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.90%▲ 1.25% above avgNationally 2.88%
Details
Maximum investment limited to $100,000 per account
Rate History
1 change since Sep 24, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
- Oct 3, 20264.15%▲ from 3.65%
- Sep 24, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.20% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.20% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 18 Month Special
$1,000
4.10%
▲ 1.20% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.20% above avgNationally 2.88%
Details
Compounding Method: Daily; Penalty for Early Withdrawal
Rate History
No change since Oct 14, 2026 · 4.10% APY
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Individual Retirement Accounts (IRAs) - 18 Month Special
$0
4.10%
▲ 1.20% above Ohio avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.20% above avgNationally 2.88%
Details
Compounding Method: Daily; Printed term: 18 Month Special
Rate History
No change since Oct 14, 2026 · 4.10% APY
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
18 Month Share Certificate
$0
4.10%
▲ 1.20% above Ohio avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.20% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 25, 2026 · 4.10% → 4.10% ▼ 0.00 pts · high 4.14% / low 4.10%
- Oct 12, 20264.10%▼ from 4.14%
- Oct 8, 20264.14%▲ from 4.10%
- Sep 25, 20264.10%first recorded
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month Fixed IRA
$0
4.10%
▲ 1.20% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.20% above avgNationally 2.88%
Details
Balance of $100,000
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month Term Share Certificate
$0
4.10%
▲ 1.20% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.90%▲ 1.20% above avgNationally 2.88%
Details
Balance of $100,000
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
18 Month Business Certificates Standard
$500
4.10%
▲ 1.20% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.90%▲ 1.20% above avgNationally 2.88%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 13, 20264.10%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
18 Month CD
$500
4.08%
▲ 1.18% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.90%▲ 1.18% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 3, 20264.08%▲ from 3.72%
- Sep 24, 20263.72%first recorded
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate of Deposit
$500
4.08%
▲ 1.18% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.18% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 4.08% APY · checked 5 times
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates - 18 Months
$500
4.08%
▲ 1.18% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.90%▲ 1.18% above avgNationally 2.88%
Details
Business Minimum: $500.00
Rate History
No change since Sep 30, 2026 · 4.08% APY · checked 5 times
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Certificate
$500
4.07%
▲ 1.17% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.90%▲ 1.17% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 9, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Painesville 24 Month CD Rates
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: 2.33%
77 N Saint Clair St, Painesville, OH 44077
Share Certificate - 24 Month
$2,000
3.75%
▲ 0.82% above Ohio avg
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.94%▲ 0.82% above avgNationally 2.88%
Details
Minimum Amount: $2,000.00 ($500.00 minimum for 36 and 60-month certificates); 90-day penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
24 Month Business Investment Certificate
$0
2.50%
▼ 0.44% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 0.44% below avgNationally 2.88%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
24 Month CD Ladder
$0
2.50%
▼ 0.44% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 0.44% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
24 Month Traditional Term CD
$0
2.50%
▼ 0.44% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 0.44% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
24 Month Certificate of Deposit
$0
0.03%
▼ 2.91% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 2.91% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 24 Months
$250
0.03%
▼ 2.91% below Ohio avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 2.91% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
24 Month Certificate of Deposit
$0
0.02%
▼ 2.92% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 2.92% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 24 Months
$250
0.02%
▼ 2.92% below Ohio avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 2.92% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
24 Month Certificate of Deposit
$0
0.01%
▼ 2.93% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 2.93% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 24 Months
$250
0.01%
▼ 2.93% below Ohio avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▼ 2.93% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
24 Month IRA (Variable)
$100
4.91%
▲ 1.98% above Ohio avg
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.94%▲ 1.98% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 4.29% → 4.91% ▲ 0.62 pts · high 4.91% / low 4.29%
- Oct 3, 20264.91%▲ from 4.29%
- Sep 11, 20264.29%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 1.87% above Ohio avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.87% above avgNationally 2.88%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 24 Month
$0
4.60%
▲ 1.66% above Ohio avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.66% above avgNationally 2.88%
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%
- Oct 12, 20264.60%▲ from 4.16%
- Sep 14, 20264.16%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55%
▲ 1.61% above Ohio avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.61% above avgNationally 2.88%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
24 Month Jumbo Certificate
$0
4.55%
▲ 1.61% above Ohio avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.61% above avgNationally 2.88%
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.55% ▲ 0.75 pts · high 4.55% / low 3.80%
- Oct 9, 20264.55%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Month Print Share and IRA Jumbo Certificates
$0
4.54%
▲ 1.61% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.61% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04%
- Sep 22, 20264.54%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 24 Mo.
$0
4.54%
▲ 1.61% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.61% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04%
- Sep 22, 20264.54%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
24 Month Certificate
$500
4.45%
▲ 1.52% above Ohio avg
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.52% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
- Oct 9, 20264.45%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 24 Months
$0
4.45%
▲ 1.52% above Ohio avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.94%▲ 1.52% above avgNationally 2.88%
Details
Certificates
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Month Print Share and IRA Certificate
$0
4.44%
▲ 1.51% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.51% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.94% → 4.44% ▲ 0.50 pts · high 4.44% / low 3.94%
- Sep 22, 20264.44%▲ from 3.94%
- Sep 14, 20263.94%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Month Share and IRA Certificates
$0
4.44%
▲ 1.51% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.51% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.94% → 4.44% ▲ 0.50 pts · high 4.44% / low 3.94%
- Sep 22, 20264.44%▲ from 3.94%
- Sep 14, 20263.94%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month Certificate of Deposit
$500
4.40%
▲ 1.47% above Ohio avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.47% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 4.40% APY · checked 3 times
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2 Year Certificates of Deposit
$500
4.36%
▲ 1.43% above Ohio avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.94%▲ 1.43% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.36% APY · checked 8 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Jumbo Certificates + 24 month
$50,000
4.35%
▲ 1.41% above Ohio avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.94%▲ 1.41% above avgNationally 2.88%
Details
Jumbo certificate; funds from personal accounts, business accounts and IRAs
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 13, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
IRA Certificate - 24-Month
$0
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
- Oct 14, 20264.32%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Share Certificate - 24-Month
$0
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
- Oct 10, 20264.32%▲ from 3.80%
- Sep 14, 20263.80%first recorded
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificate Account - 2 Year
$500
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.39% above avgNationally 2.88%
Details
As of 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 7 times
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificate Account - IRA 2 Year
$500
4.32%
▲ 1.39% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.39% above avgNationally 2.88%
Details
IRA; As of 10/09/2026
Rate History
No change since Oct 14, 2026 · 4.32% APY
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
24 Month Certificate of Deposit
$500
4.31%
▲ 1.37% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.37% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 4.31% APY · checked 5 times
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificates - 24 Months
$500
4.31%
▲ 1.37% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.37% above avgNationally 2.88%
Details
Business Minimum: $500.00
Rate History
No change since Sep 30, 2026 · 4.31% APY · checked 5 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 24-Month
$500
4.30%
▲ 1.36% above Ohio avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.36% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 4, 20264.30%▲ from 4.05%
- Sep 20, 20264.05%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 24-Month
$500
4.30%
▲ 1.36% above Ohio avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
24 Month Certificates +
$500
4.30%
▲ 1.36% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.94%▲ 1.36% above avgNationally 2.88%
Details
Funds from personal accounts, business accounts and IRAs
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 5, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25%
▲ 1.32% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2-Year Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2-Year Jumbo Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Jumbo Certificates
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Business 2-Year Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Business 2-Year Jumbo Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Business Certificates; Jumbo Certificates
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Certificates - 2-Year Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Jumbo Certificates - 2-Year Jumbo Certificate
$0
4.25%
▲ 1.32% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.25% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.32% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.32% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 24-Month Add-On
$500
4.20%
▲ 1.27% above Ohio avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.27% above avgNationally 2.88%
Details
Add-On
Rate History
2 changes since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 4, 20264.20%▲ from 3.95%
- Sep 20, 20263.95%▲ from 3.80%
- Sep 12, 20263.80%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 24-Month Add-On
$500
4.20%
▲ 1.27% above Ohio avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 8, 20264.20%▲ from 3.80%
- Sep 12, 20263.80%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate Certificate
$0
4.17%
▲ 1.23% above Ohio avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.23% above avgNationally 2.88%
Details
Variable rate: 13-week U.S. Treasury Bill index + 0.15%; Rates effective February 1, 2026
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
- Oct 10, 20264.17%▲ from 3.87%
- Sep 18, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate HSA Certificate
$0
4.17%
▲ 1.23% above Ohio avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.23% above avgNationally 2.88%
Details
Variable rate: 13-week U.S. Treasury Bill index + 0.15%; Rates effective February 1, 2026
Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
- Oct 10, 20264.17%▲ from 3.87%
- Sep 22, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate IRA Certificate
$0
4.17%
▲ 1.23% above Ohio avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.94%▲ 1.23% above avgNationally 2.88%
Details
Variable rate: 13-week U.S. Treasury Bill index + 0.15%; Rates effective February 1, 2026
Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
- Oct 10, 20264.17%▲ from 3.87%
- Sep 22, 20263.87%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Business Certificates Standard
$500
4.15%
▲ 1.22% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.94%▲ 1.22% above avgNationally 2.88%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
- Oct 13, 20264.15%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
24 Month Share Certificate
$0
4.14%
▲ 1.20% above Ohio avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.94%▲ 1.20% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 25, 2026 · 4.14% → 4.14% ▼ 0.00 pts · high 4.19% / low 4.14%
- Oct 12, 20264.14%▼ from 4.19%
- Oct 8, 20264.19%▲ from 4.14%
- Sep 25, 20264.14%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Certificate
$500
4.13%
▲ 1.19% above Ohio avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.19% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 9, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Youth Certificate
$100
4.13%
▲ 1.19% above Ohio avg
▼
Rate4.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.94%▲ 1.19% above avgNationally 2.88%
Details
Must be under 18 years of age
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 9, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Painesville 36 Month CD Rates
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: 2.33%
77 N Saint Clair St, Painesville, OH 44077
Share Certificate - 36 Month
$500
3.80%
▲ 1.08% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.08% above avgNationally 2.81%
Details
Minimum Amount: $2,000.00 ($500.00 minimum for 36 and 60-month certificates); 90-day penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
36 Month CD Ladder
$0
2.75%
▲ 0.03% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 0.03% above avgNationally 2.81%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
36 Month Traditional Term CD
$0
2.75%
▲ 0.03% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 0.03% above avgNationally 2.81%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
36 Month Business Investment Certificate
$0
2.50%
▼ 0.22% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▼ 0.22% below avgNationally 2.81%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
36 Month Certificate of Deposit
$0
0.03%
▼ 2.69% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▼ 2.69% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 36 Months
$250
0.03%
▼ 2.69% below Ohio avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▼ 2.69% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
36 Month Certificate of Deposit
$0
0.02%
▼ 2.70% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▼ 2.70% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 36 Months
$250
0.02%
▼ 2.70% below Ohio avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▼ 2.70% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
36 Month Certificate of Deposit
$0
0.01%
▼ 2.71% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▼ 2.71% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 36 Months
$250
0.01%
▼ 2.71% below Ohio avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▼ 2.71% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02%
▲ 2.30% above Ohio avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.72%▲ 2.30% above avgNationally 2.81%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
No change since Oct 12, 2026 · 5.02% APY
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
36 Month Jumbo Certificate
$0
4.85%
▲ 2.13% above Ohio avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.72%▲ 2.13% above avgNationally 2.81%
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.85% ▲ 0.60 pts · high 4.85% / low 4.25%
- Oct 9, 20264.85%▲ from 4.25%
- Sep 14, 20264.25%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71%
▲ 1.99% above Ohio avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.72%▲ 1.99% above avgNationally 2.81%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 36 Month
$0
4.70%
▲ 1.98% above Ohio avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.72%▲ 1.98% above avgNationally 2.81%
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.26% → 4.70% ▲ 0.44 pts · high 4.70% / low 4.26%
- Oct 12, 20264.70%▲ from 4.26%
- Sep 14, 20264.26%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
36 Month Certificate
$500
4.60%
▲ 1.88% above Ohio avg
▼
Rate4.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.72%▲ 1.88% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
- Oct 9, 20264.60%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$0
4.50%
▲ 1.78% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.78% above avgNationally 2.81%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month Certificate of Deposit
$5,000
4.50%
▲ 1.78% above Ohio avg
▼
Rate4.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.72%▲ 1.78% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36-Month Certificate
$1,000
4.45%
▲ 1.73% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.73% above avgNationally 2.81%
Details
as high as 4.45% APY; Rate shown as 'as high as'
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 36 Months
$0
4.45%
▲ 1.73% above Ohio avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.73% above avgNationally 2.81%
Details
Certificates
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
IRA Certificate - 36-Month
$0
4.45%
▲ 1.73% above Ohio avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.73% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.45% ▲ 0.65 pts · high 4.45% / low 3.80%
- Oct 14, 20264.45%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Share Certificate - 36-Month
$0
4.45%
▲ 1.73% above Ohio avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.73% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.45% ▲ 0.65 pts · high 4.45% / low 3.80%
- Oct 10, 20264.45%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Business Certificates Standard
$500
4.20%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.48% above avgNationally 2.81%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.40% → 4.20% ▲ 0.80 pts · high 4.20% / low 3.40%
- Oct 13, 20264.20%▲ from 3.40%
- Sep 22, 20263.40%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate/IRA
$500
4.20%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.48% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Certificate
$500
4.18%
▲ 1.46% above Ohio avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.72%▲ 1.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 9, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
36 Month Share Certificate
$0
4.16%
▲ 1.44% above Ohio avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.72%▲ 1.44% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 25, 2026 · 4.16% → 4.16% ▼ 0.00 pts · high 4.19% / low 4.16%
- Oct 12, 20264.16%▼ from 4.19%
- Oct 8, 20264.19%▲ from 4.16%
- Sep 25, 20264.16%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.43% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15%
▲ 1.43% above Ohio avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.72%▲ 1.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.72%▲ 1.43% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.72%▲ 1.43% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.72%▲ 1.43% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month IRA Certificates
$500
4.15%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.43% above avgNationally 2.81%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.35% → 4.15% ▲ 0.80 pts · high 4.15% / low 3.35%
- Oct 13, 20264.15%▲ from 3.35%
- Sep 22, 20263.35%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Standard Certificates
$500
4.15%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.43% above avgNationally 2.81%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.35% → 4.15% ▲ 0.80 pts · high 4.15% / low 3.35%
- Oct 13, 20264.15%▲ from 3.35%
- Sep 22, 20263.35%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Year Certificates of Deposit
$500
4.11%
▲ 1.39% above Ohio avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.39% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
36 Month Special CD
$1,000
4.10%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Renews at the 3 Year CD term and rate
Rate History
No change since Oct 14, 2026 · 4.10% APY
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Certificate of Deposit - 36 Month Special
$1,000
4.10%
▲ 1.38% above Ohio avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Renews at the 3 Year CD term and rate
Rate History
No change since Oct 14, 2026 · 4.10% APY
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificate of Deposit - 36 Month Special
$1,000
4.10%
▲ 1.38% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Renews at the 3 Year IRA CD term and rate
Rate History
No change since Oct 14, 2026 · 4.10% APY
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 36-Month
$1,000
4.10%
▲ 1.38% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
- Sep 20, 20264.10%▲ from 3.95%
- Sep 12, 20263.95%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 36-Month
$1,000
4.10%
▲ 1.38% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
- Oct 8, 20264.10%▲ from 3.95%
- Sep 12, 20263.95%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 36 Months
$500
4.10%
▲ 1.38% above Ohio avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k
Rate History
No change since Oct 13, 2026 · 4.10% APY
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Certificate
$500
4.10%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 9, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Term IRA
$250
4.10%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates; Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 9, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Business Certificates Standard
$500
4.10%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
Everyday APY
Rate History
1 change since Sep 22, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Oct 13, 20264.10%▲ from 3.40%
- Sep 22, 20263.40%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Second Chance Certificates
$500
4.10%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.38% above avgNationally 2.81%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership; bump option available
Rate History
1 change since Sep 22, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
- Oct 13, 20264.10%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificate - 36 months
$500
4.08%
▲ 1.36% above Ohio avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.36% above avgNationally 2.81%
Details
Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 18, 20263.82%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Jumbo Certificates + 36 month
$50,000
4.05%
▲ 1.33% above Ohio avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.33% above avgNationally 2.81%
Details
Jumbo certificate; funds from personal accounts, business accounts and IRAs
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 2 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month IRA Certificates
$500
4.05%
▲ 1.33% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.33% above avgNationally 2.81%
Details
Everyday APY
Rate History
1 change since Sep 22, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
- Oct 13, 20264.05%▲ from 3.35%
- Sep 22, 20263.35%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Standard Certificates
$500
4.05%
▲ 1.33% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.33% above avgNationally 2.81%
Details
Everyday APY
Rate History
1 change since Sep 22, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
- Oct 13, 20264.05%▲ from 3.35%
- Sep 22, 20263.35%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Educational IRA - 36 Months
$500
4.05%
▲ 1.33% above Ohio avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.33% above avgNationally 2.81%
Details
Compounding Frequency: Monthly
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 9, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Roth IRA Certificate - 36 Months
$500
4.05%
▲ 1.33% above Ohio avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.72%▲ 1.33% above avgNationally 2.81%
Details
Compounding Frequency: Monthly
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 9, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Painesville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
48 Month CD Ladder
$0
2.75%
▲ 0.08% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 0.08% above avgNationally 2.80%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
48 Month Traditional Term CD
$0
2.75%
▲ 0.08% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 0.08% above avgNationally 2.80%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
48 Month Business Investment Certificate
$0
2.50%
▼ 0.17% below Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▼ 0.17% below avgNationally 2.80%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
48 Month Certificate of Deposit
$0
0.03%
▼ 2.64% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▼ 2.64% below avgNationally 2.80%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 48 Months
$250
0.03%
▼ 2.64% below Ohio avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▼ 2.64% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
48 Month Certificate of Deposit
$0
0.02%
▼ 2.65% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▼ 2.65% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 48 Months
$250
0.02%
▼ 2.65% below Ohio avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▼ 2.65% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
48 Month Certificate of Deposit
$0
0.01%
▼ 2.66% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 48 Months
$250
0.01%
▼ 2.66% below Ohio avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 48 Month
$0
4.80%
▲ 2.13% above Ohio avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.67%▲ 2.13% above avgNationally 2.80%
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.31% → 4.80% ▲ 0.49 pts · high 4.80% / low 4.31%
- Oct 12, 20264.80%▲ from 4.31%
- Sep 14, 20264.31%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 Month Print Share and IRA Jumbo Certificates
$0
4.63%
▲ 1.96% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.67%▲ 1.96% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12%
- Sep 22, 20264.63%▲ from 4.12%
- Sep 14, 20264.12%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 48 Mo.
$0
4.63%
▲ 1.96% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.67%▲ 1.96% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12%
- Sep 22, 20264.63%▲ from 4.12%
- Sep 14, 20264.12%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
IRA Certificate - 48-Month
$0
4.58%
▲ 1.91% above Ohio avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.91% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.58% ▲ 0.78 pts · high 4.58% / low 3.80%
- Oct 14, 20264.58%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Share Certificate - 48-Month
$0
4.58%
▲ 1.91% above Ohio avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.91% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.58% ▲ 0.78 pts · high 4.58% / low 3.80%
- Oct 10, 20264.58%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month Certificate of Deposit
$500
4.55%
▲ 1.88% above Ohio avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.67%▲ 1.88% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 4.55% APY · checked 3 times
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 Month Print Share and IRA Certificate
$0
4.53%
▲ 1.86% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.67%▲ 1.86% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.53% ▲ 0.51 pts · high 4.53% / low 4.02%
- Sep 22, 20264.53%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 Month Share and IRA Certificates
$0
4.53%
▲ 1.86% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.67%▲ 1.86% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.53% ▲ 0.51 pts · high 4.53% / low 4.02%
- Sep 22, 20264.53%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 48 Months
$0
4.45%
▲ 1.78% above Ohio avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.78% above avgNationally 2.80%
Details
Certificates
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Business Certificates Standard
$500
4.25%
▲ 1.58% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.58% above avgNationally 2.80%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 13, 20264.25%▲ from 3.25%
- Sep 22, 20263.25%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate/IRA
$500
4.25%
▲ 1.58% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.58% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 10, 20264.25%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Standard Certificates
$500
4.20%
▲ 1.53% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.53% above avgNationally 2.80%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.20% → 4.20% ▲ 1.00 pts · high 4.20% / low 3.20%
- Oct 13, 20264.20%▲ from 3.20%
- Sep 22, 20263.20%first recorded
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
48 Month Share Certificate
$0
4.18%
▲ 1.51% above Ohio avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.67%▲ 1.51% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 4.18% APY · checked 4 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 48-Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 20, 20264.15%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 48-Month
$1,000
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 8, 20264.15%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 48 Months
$500
4.15%
▲ 1.48% above Ohio avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k
Rate History
No change since Oct 13, 2026 · 4.15% APY
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Business Certificates Standard
$500
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
Everyday APY
Rate History
1 change since Sep 22, 2026 · 3.25% → 4.15% ▲ 0.90 pts · high 4.15% / low 3.25%
- Oct 13, 20264.15%▲ from 3.25%
- Sep 22, 20263.25%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Second Chance Certificates
$500
4.15%
▲ 1.48% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.80%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership; bump option available
Rate History
1 change since Sep 22, 2026 · 3.15% → 4.15% ▲ 1.00 pts · high 4.15% / low 3.15%
- Oct 13, 20264.15%▲ from 3.15%
- Sep 22, 20263.15%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Certificate
$500
4.10%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 9, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Term IRA
$250
4.10%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates; Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 9, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Standard Certificates
$500
4.10%
▲ 1.43% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Everyday APY
Rate History
1 change since Sep 22, 2026 · 3.20% → 4.10% ▲ 0.90 pts · high 4.10% / low 3.20%
- Oct 13, 20264.10%▲ from 3.20%
- Sep 22, 20263.20%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Educational IRA - 48 Months
$500
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Compounding Frequency: Monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Roth IRA Certificate - 48 Months
$500
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Compounding Frequency: Monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Share Certificates of Deposit - 48 Months
$1,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Compounding: Monthly
Rate History
No change since Oct 13, 2026 · 4.10% APY
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Traditional IRA Certificate - 48 Months
$500
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Compounding Frequency: Monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Business Jumbo Certificate
$100,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.02%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Dividends compounded monthly on Certificates
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 3 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month IRA Certificate
$1,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Jumbo Certificate
$100,000
4.10%
▲ 1.43% above Ohio avg
▼
Rate4.02%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Second Chance Certificates
$500
4.05%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.80%
Details
Everyday APY; bump option available
Rate History
1 change since Sep 22, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
- Oct 13, 20264.05%▲ from 3.15%
- Sep 22, 20263.15%first recorded
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
48 Month Certificate
$100,000
4.05%
▲ 1.38% above Ohio avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 9, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
48 Month Certificate
$500
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Dividend Period: Calendar Month; Dividends Compounded and Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 10, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
IRA Certificate - 48 Month
$500
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Dividend Period: Calendar Month; Dividends Compounded and Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 14, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate - Jumbo
$0
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Jumbo ($50,000+) rate and yield; a premium is also paid on Jumbo Share Certificates; 365 days interest penalty for early withdrawal (maturities greater than 12 months)
Rate History
No change since Oct 14, 2026 · 4.00% APY
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificate - 48 Months Jumbo
$500
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Jumbo ($50,000+) rate; Traditional and Roth IRA; Early withdrawal penalty: 365 days interest; Rates effective July 16, 2026
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month Certificate
$0
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Rates effective February 1, 2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month HSA Certificate
$0
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Rates effective February 1, 2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month IRA Certificate
$0
4.00%
▲ 1.33% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Rates effective February 1, 2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Painesville 60 Month CD Rates
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: 2.33%
77 N Saint Clair St, Painesville, OH 44077
Share Certificate - 60 Month
$500
3.85%
▲ 1.00% above Ohio avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.00% above avgNationally 2.91%
Details
Minimum Amount: $2,000.00 ($500.00 minimum for 36 and 60-month certificates); 90-day penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
60 Month Relationship CD
$0
3.35%
▲ 0.50% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 0.50% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
- Oct 14, 20263.35%▲ from 3.10%
- Sep 24, 20263.10%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
60 Month CD Ladder
$0
3.25%
▲ 0.40% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 0.40% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 14, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
60 Month Relationship CD
$0
3.25%
▲ 0.40% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 0.40% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 14, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
60 Month Traditional Term CD
$0
3.25%
▲ 0.40% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 0.40% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 14, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
1209 Mentor Ave, Painesville, OH 44077
60 Month Business Investment Certificate
$0
3.00%
▲ 0.15% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 0.15% above avgNationally 2.91%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
60 Month Certificate of Deposit
$0
0.03%
▼ 2.82% below Ohio avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▼ 2.82% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 60 Months
$250
0.03%
▼ 2.82% below Ohio avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▼ 2.82% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
60 Month Certificate of Deposit
$0
0.02%
▼ 2.83% below Ohio avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▼ 2.83% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 60 Months
$250
0.02%
▼ 2.83% below Ohio avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▼ 2.83% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
60 Month Certificate of Deposit
$0
0.01%
▼ 2.84% below Ohio avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▼ 2.84% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
40 W Erie St, Painesville, OH 44077
IRA CD - 60 Months
$250
0.01%
▼ 2.84% below Ohio avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▼ 2.84% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
60 Month Jumbo Certificate
$0
5.00%
▲ 2.15% above Ohio avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.85%▲ 2.15% above avgNationally 2.91%
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
- Oct 9, 20265.00%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 60 Month
$0
4.90%
▲ 2.05% above Ohio avg
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.85%▲ 2.05% above avgNationally 2.91%
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.31% → 4.90% ▲ 0.59 pts · high 4.90% / low 4.31%
- Oct 12, 20264.90%▲ from 4.31%
- Sep 14, 20264.31%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
60 Month Certificate
$500
4.75%
▲ 1.90% above Ohio avg
▼
Rate4.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.85%▲ 1.90% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.75% ▲ 0.95 pts · high 4.75% / low 3.80%
- Oct 9, 20264.75%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
60 Month Print Share and IRA Jumbo Certificates
$0
4.65%
▲ 1.80% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.85%▲ 1.80% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.14% → 4.65% ▲ 0.51 pts · high 4.65% / low 4.14%
- Sep 22, 20264.65%▲ from 4.14%
- Sep 14, 20264.14%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 60 Mo.
$0
4.65%
▲ 1.80% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.85%▲ 1.80% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.14% → 4.65% ▲ 0.51 pts · high 4.65% / low 4.14%
- Sep 22, 20264.65%▲ from 4.14%
- Sep 14, 20264.14%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Roth
$500
4.60%
▲ 1.75% above Ohio avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.75% above avgNationally 2.91%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Traditional
$500
4.60%
▲ 1.75% above Ohio avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.75% above avgNationally 2.91%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month Certificate of Deposit
$500
4.55%
▲ 1.70% above Ohio avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.85%▲ 1.70% above avgNationally 2.91%
Details
Rate History
No change since Sep 25, 2026 · 4.55% APY · checked 3 times
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
60 Month Print Share and IRA Certificate
$0
4.55%
▲ 1.70% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.85%▲ 1.70% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Sep 22, 20264.55%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
60 Month Share and IRA Certificates
$0
4.55%
▲ 1.70% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Ohio Average2.85%▲ 1.70% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Sep 22, 20264.55%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$0
4.50%
▲ 1.65% above Ohio avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.65% above avgNationally 2.91%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 60 Months
$0
4.45%
▲ 1.60% above Ohio avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.60% above avgNationally 2.91%
Details
Certificates
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Business Certificates Standard
$500
4.30%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.45% above avgNationally 2.91%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.30% → 4.30% ▲ 1.00 pts · high 4.30% / low 3.30%
- Oct 13, 20264.30%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate/IRA
$500
4.30%
▲ 1.45% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.45% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
- Oct 10, 20264.30%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25%
▲ 1.40% above Ohio avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.85%▲ 1.40% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.85%▲ 1.40% above avgNationally 2.91%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.85%▲ 1.40% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.85%▲ 1.40% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Genoa Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
60 Month Sixty-Month CD Special
$0
4.25%
▲ 1.40% above Ohio avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Ohio Average2.85%▲ 1.40% above avgNationally 2.91%
Details
Maximum investment limited to $100,000 per account
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 3, 20264.25%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Standard Certificates
$500
4.25%
▲ 1.40% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.40% above avgNationally 2.91%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 13, 20264.25%▲ from 3.25%
- Sep 22, 20263.25%first recorded
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
60 Month Share Certificate
$0
4.20%
▲ 1.35% above Ohio avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
Rate History
2 changes since Sep 25, 2026 · 4.20% → 4.20% ▼ 0.00 pts · high 4.24% / low 4.20%
- Oct 12, 20264.20%▼ from 4.24%
- Oct 8, 20264.24%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 60-Month
$1,000
4.20%
▲ 1.35% above Ohio avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 20, 20264.20%▲ from 4.05%
- Sep 12, 20264.05%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 60-Month
$1,000
4.20%
▲ 1.35% above Ohio avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 8, 20264.20%▲ from 4.05%
- Sep 12, 20264.05%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 60 Months
$500
4.20%
▲ 1.35% above Ohio avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k
Rate History
No change since Oct 13, 2026 · 4.20% APY
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Certificate
$500
4.20%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 9, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Term IRA
$250
4.20%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
KEMBA Advantage APY; Advantage status required to earn higher rates; Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 9, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Business Certificates Standard
$500
4.20%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
Everyday APY
Rate History
1 change since Sep 22, 2026 · 3.30% → 4.20% ▲ 0.90 pts · high 4.20% / low 3.30%
- Oct 13, 20264.20%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Second Chance Certificates
$500
4.20%
▲ 1.35% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership; bump option available
Rate History
1 change since Sep 22, 2026 · 3.20% → 4.20% ▲ 1.00 pts · high 4.20% / low 3.20%
- Oct 13, 20264.20%▲ from 3.20%
- Sep 22, 20263.20%first recorded
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Business Jumbo Certificate
$100,000
4.20%
▲ 1.35% above Ohio avg
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
Dividends compounded monthly on Certificates
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month IRA Certificate
$1,000
4.20%
▲ 1.35% above Ohio avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Jumbo Certificate
$100,000
4.20%
▲ 1.35% above Ohio avg
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.35% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month Certificate of Deposit (CD)
$500
4.18%
▲ 1.33% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.33% above avgNationally 2.91%
Details
Minimum Balance to Obtain APY: $500.00; Early withdrawal penalties apply; CDs automatically renew at maturity
Rate History
No change since Sep 19, 2026 · 4.18% APY · checked 3 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Standard Certificates
$500
4.15%
▲ 1.30% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.30% above avgNationally 2.91%
Details
Everyday APY
Rate History
1 change since Sep 22, 2026 · 3.25% → 4.15% ▲ 0.90 pts · high 4.15% / low 3.25%
- Oct 13, 20264.15%▲ from 3.25%
- Sep 22, 20263.25%first recorded
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
60 Month Certificate
$500
4.15%
▲ 1.30% above Ohio avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.30% above avgNationally 2.91%
Details
Dividend Period: Calendar Month; Dividends Compounded and Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
- Oct 10, 20264.15%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
IRA Certificate - 60 Month
$500
4.15%
▲ 1.30% above Ohio avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Ohio Average2.85%▲ 1.30% above avgNationally 2.91%
Details
Dividend Period: Calendar Month; Dividends Compounded and Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
- Oct 14, 20264.15%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
IRA Share Certificate (5 Year)
$0
4.11%
▲ 1.26% above Ohio avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Ohio Average2.85%▲ 1.26% above avgNationally 2.91%
Details
IRA
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 6 times
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Second Chance Certificates
$500
4.10%
▲ 1.25% above Ohio avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.25% above avgNationally 2.91%
Details
Everyday APY; bump option available
Rate History
1 change since Sep 22, 2026 · 3.20% → 4.10% ▲ 0.90 pts · high 4.10% / low 3.20%
- Oct 13, 20264.10%▲ from 3.20%
- Sep 22, 20263.20%first recorded
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
60 Month Certificate
$100,000
4.10%
▲ 1.25% above Ohio avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Ohio Average2.85%▲ 1.25% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
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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.
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Painesville, OH CD Rate Trends
Compare local Painesville, 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
3.157%
▲ 0.010 vs 7 days ago
Ohio 12-month CD rates rose 0.010 points over the past 7 days to 3.157% APY.
6-Month CD OH Avg
2.789%
▼ 0.010 vs 7 days ago
Ohio 6-month CD rates fell 0.010 points over the past 7 days to 2.789% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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OH CD Rate Forecast, Next 12 Months
Where are Ohio CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OH 12-Month Avg APY
3.157%
6-Month Forecast
3.157%
Range: 2.96%, 3.31%
12-Month Forecast
3.407%
Range: 3.21%, 3.56%
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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 | 1.655% | $82.75 | $165.49 | $413.73 | $827.45 |
| 6-Month CD | 2.789% | $139.43 | $278.86 | $697.15 | $1,394.30 |
| 12-Month CD | 3.157% | $157.85 | $315.71 | $789.27 | $1,578.55 |
| 18-Month CD | 2.900% | $145.00 | $290.00 | $725.00 | $1,450.00 |
| 24-Month CD | 2.935% | $146.75 | $293.50 | $733.75 | $1,467.50 |
| 36-Month CD | 2.722% | $136.12 | $272.23 | $680.58 | $1,361.15 |
| 48-Month CD | 2.673% | $133.66 | $267.31 | $668.28 | $1,336.55 |
| 60-Month CD | 2.847% | $142.33 | $284.65 | $711.62 | $1,423.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Painesville, 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 | 1.655% | $82.75 |
| 2 | 6-Month CD | $5,000 | 2.789% | $139.43 |
| 3 | 12-Month CD | $5,000 | 3.157% | $157.85 |
| 4 | 24-Month CD | $5,000 | 2.935% | $146.75 |
| 5 | 36-Month CD | $5,000 | 2.722% | $136.12 |
| Total ($25,000 invested) | $25,000 | 2.652% blended | $662.90/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.
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2,013
CD Rates
Tracked in Painesville, Ohio
Tracked in Painesville, Ohio
44 Banks
86 Credit Unions
About Our Painesville, Ohio CD Rate Database
MonitorBankRates tracks 2,013 CD rates from 44 banks and 86 credit unions with locations in Painesville, 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 to 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: Fasson Employees Federal Credit Union offers a CD at 4.25% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Painesville, Ohio.
How to Find the Best CD Rates in Painesville, Ohio
What to compare when shopping for a CD in Painesville, Ohio
To find the best APYs in Painesville, Ohio, start with credit unions and online-only banks: Painesville, Ohio has 86 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 Painesville, 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 Painesville, Ohio: 130 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Painesville, Ohio savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Painesville, Ohio money market rates
Painesville, Ohio Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.0%
National avg: 17.3%
Median Individual Earnings
$35,217
National avg: $47,340
Poverty Rate
25.6%
National avg: 11.1%
Unemployment Rate
6.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$111/yr
At OH 12-mo avg 3.157% APY
12.0% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.5% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s OH 12-month CD average of 3.157%, saving 10% of the local median salary ($3,521/year) and putting it in a CD would earn an additional $111 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 Painesville, 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Painesville, Ohio
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Painesville, Ohio typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Painesville, Ohio as everywhere in the U.S.
Choosing a CD Term in Painesville, Ohio
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Painesville, Ohio savers easier access to their funds. For example, LCE Federal Credit Union is offering its Share Certificate - 6 Month at 3.55% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, LCE Federal Credit Union is offering its Share Certificate - 60 Month at 3.85% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Painesville, Ohio Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Painesville, Ohio saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Painesville, Ohio
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Painesville, Ohio CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Painesville, Ohio
Most CDs carry a fixed rate that is locked for the entire term, protecting a Painesville, Ohio depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Painesville, Ohio
Are CD rates in Painesville, Ohio FDIC insured?
Yes, most established banks in Painesville, 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 Painesville, 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 Painesville, 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 Painesville, 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 Painesville, Ohio?
Here are recent top rates found for this area:
- Fasson Employees Federal Credit Union: 4.25% APY (Certificate Accounts - 12 Month Maturity)
- LCE Federal Credit Union: 4.06% APY (Share Certificate - 12 Month)
- L.E.O Credit Union: 3.65% APY (18 Month Certificate)
- Dollar Bank, Federal Savings Bank: 3.35% APY (60 Month Relationship CD)
- PNC Bank: 0.03% APY (12 Month Certificate of Deposit)
- Vacationland Federal Credit Union: 6.03% APY (12 Month Youth Certificates)
- National Police Federal Credit Union: 5.02% APY (36-Month IRA)
- OUCU Financial Credit Union: 5.00% APY (12 Month Easy Save Certificate)
- Seven Seventeen Credit Union: 5.00% APY (60 Month Jumbo Certificate)
- GLASS CITY: 5.00% APY (12 Month Youth CD)
Rates reflect recent verified offers available in Painesville, Ohio. Last Updated: October 14, 2026
Painesville, Ohio CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Painesville, Ohio rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Painesville, Ohio
Painesville, Ohio CD Calculator
At today’s OH top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Painesville, Ohio CD LadderOH CD rates currently range from 1.655% (3-month) to 2.722% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Painesville, Ohio CD at 4.25% APY, know your exit cost. Most institutions charge 90 to 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 3.157% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Painesville, Ohio CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Painesville, Ohio directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Painesville, 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: October 14, 2026
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