CD Rates in Ohio :
Search and compare Ohio CD rates from banks and credit unions. Our CD interest rate tables for Ohio include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Ohio or by zip code. Once you have entered your search criteria a list of the highest Ohio CD rates will be displayed. MonitorBankRates also offers a free CD calculator and CD ladder calculator you can use to calculate your certificate of deposit investment return.
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Ohio
When comparing bank CD rates in Ohio make sure to choose a Ohio bank that has deposits insured by the Federal Deposit Insurance Corporation (FDIC). Deposits in Ohio banks that are insured by the FDIC are guaranteed for up to $250,000 per depositor.This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a bank failure
Best CD Rates in Ohio January 2026
Beal Bank3311 Richmond Rd Ste 100
Beachwood, OH 44122
12-Month CD
CF Bank4960 E Dublin Granville Rd Ste 400
Columbus, OH 43081
12-Month CD
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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. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
Ohio Jumbo CD Rates
Jumbo CD rates in Ohio are usually higher than standard Ohio CD rates because they require a larger opening deposit.While regular CDs can often be opened with minimal funds, Ohio jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in Ohio and the surrounding area reward this larger commitment with premium cd rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured
Ohio Credit Union CD Rates
When comparing Ohio CD rates from credit unions make sure to choose a Ohio credit union that has deposits insured by the National Credit Union Administration (NCUA).
What are the current CD rates in Ohio? ▼
Below is a list of the top current CD rates available for Ohio:
Ohio State Bank3.90% APY (6-Month CD)
First Bank of Central Ohio3.80% APY (12-Month CD)
Ohio State Bank3.75% APY (12-Month CD)
Community Bank Zanesville, OH3.60% APY (12-Month CD)
F&M Bank Miamisburg, OH3.55% APY (12-Month CD)
F&M Bank Miamisburg, OH3.55% APY (18-Month CD)
F&M Bank Miamisburg, OH3.55% APY (24-Month CD)
Fairfield Federal S&L of Lancaster3.30% APY (12-Month CD)
Peoples Savings Bank Urbana OH3.30% APY (12-Month CD)
First Federal S&L Newark, OH3.28% APY (12-Month CD)
Are CD rates fixed? ▼
Yes, typically CD rates are fixed for the entire term (e.g. 1 year, 5 years). This protects you if market rates drop, but means you won't benefit if rates rise.
Is my money safe in a CD? ▼
Yes, as long as the bank is FDIC insured or the credit union is NCUA insured, your deposit is protected up to $250,000.
Can I add money to a CD? ▼
Usually, no. Standard CDs require a one-time deposit at opening. To add more funds later, you would typically need to open a new CD.
Brian McKay
