Best CD Rates in Cincinnati, Ohio

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.

Rules:

• The early withdrawal penalty is 90 days of interest if withdrawn before maturity
• The interest rate is subject to change.

Pros:

• You select the precise amount and duration of your investment when you open a CD.
• The Federal Deposit Insurance Corporation provides insurance for CD accounts.
• The interest rate is compounded daily, so you earn interest on your interest.

Rules:

• Early withdrawal penalty: 90 days of interest if withdrawn before maturity
• The interest rate is subject to change.

Pros:

• Up to the FDIC-set limits, your money is completely protected by the federal government’s full faith and credit.
• Online accounts are created in minutes.
• The interest rate is compounded daily, so you earn interest on your interest.

Rules:

• Early withdrawal penalty: 6 months of interest if withdrawn before maturity
• The interest rate is subject to change.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.

Rules:

• There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.

Rules:

• There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• Rates are normally set for the duration of the term.
• The interest rate is compounded daily, so you earn interest on your interest.
• You can open a CD account on the Cinfed Credit Union website.
• The NCUA covers your funds to the same limitations.

Rules:

• There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• There is no minimum balance. A CD account has no minimum amount to be opened.
• FDIC-insured. Every Capital One 360 CD amount is guaranteed to the maximum authorized by the FDIC.
• No market risk.
• Guaranteed returns.
• The interest rate is compounded daily, so you earn interest on your interest.
• Capital One’s website allows you to open a CD online.
• You can set up automatic transfers from your checking account to your CD.
• Easy to open

Rules:

• The early withdrawal penalty is 90 days of interest if withdrawn before maturity
• The interest rate is subject to change.

Pros:

• Flexible periods from one month to five years are available.
• On a daily collected balance, FDIC Interest is computed (compounding and crediting monthly).

Rules:

• No monthly maintenance fees or early withdrawal penalties.

Pros:

• Online accounts are created in minutes.
• It is more convenient than recycling and yields interest. Your money goes further because the bank promotes a greener economy.
• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 6-month early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• Quontic Bank offers online CD openings.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• The Bread Savings website makes it easy for you to open a CD online.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 180-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• You can open a CD online with First Internet Bank’s website.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• High interest rates. Idabel National Bank’s CDs offer some of the highest interest rates in the market. For example, their 24-month CD currently has an APY of 4.85%, which is significantly higher than the national average.
• FDIC insured. All CDs at Idabel National Bank are FDIC insured, up to $250,000 per depositor.
• Access: You can access your CD funds through online banking, ATMs, or by writing a check.
• Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.

Rules:

• Minimum Opening Deposit: The minimum deposit for a CD at Idabel National Bank is $1.00
• Term length. CD terms range from 30 days to 5 years.
• Early withdrawal penalties. There is an early withdrawal penalty if you withdraw funds from your CD before maturity. The penalty is equal to 30 days’ interest.
• At maturity, your CD will automatically renew and earn the base interest rate.

Pros:

• High APYs: Bread Savings offers competitive APYs on both its savings accounts and CDs. The current APY for the high-yield savings account is 4.90%, and the APY for CDs ranges from 5.00% to 4.35%.
• FDIC insured: Bread Savings is FDIC insured, so your deposits are protected up to $250,000.
• Minimal fees: Bread Savings has no monthly maintenance fees for either its savings accounts or CDs. There are also no fees for ACH transfers, online statements, or incoming wire transfers.
• Easy to use: Bread Savings’ website and mobile app are easy to use. You can easily open an account, deposit money, and transfer funds.

Rules:

• Minimum deposit: The minimum deposit to open a CD is $1500.
• APY: APYs vary depending on the term length. For example, the APY for a 12-month CD is 5.00%, while the APY for a 60-month CD is 4.35%.
• Deposit Amount : Maximum deposit limit of $1 million per account and $10 million limit per customer
• Term lengths: CD terms range from 12 months to 60 months.
• Early withdrawal penalties: There are early withdrawal penalties for CDs at Bread Savings.
• CD is automatically renewed for a 1,2, and 3 year Certificate of Deposit (CD).

Pros:

• High interest rates: Marcus offers some of the highest interest rates on CDs available. As of July 20, 2023, the Marcus 2-year High-Yield CD rate is 4.35%.
• Easy to open and use: Marcus accounts can be opened online in just a few minutes. There are no minimum balance requirements or fees to worry about.
• Convenient access: You can access your Marcus account 24/7 online or through the Marcus mobile app. You can also set up automatic transfers from your checking account to your Marcus account.
• Safe and secure: Marcus accounts are FDIC insured up to $250,000.

Rules:

• You must deposit at least $500 to open a CD account.
• The interest rate you earn will depend on the term of your CD.
• If you withdraw your money before the maturity date, you will be subject to an early withdrawal penalty.
• You can earn the highest published interest rate and Annual Percentage Yield (APY) if you deposit at least $500 within 10 days of opening your CD account.
• The interest rates are subject to change at any time.

Pros:

• Higher rates on longer terms
• Terms from 3 months to 5 years
• No overdraft fees.
• All term certificates are NCUA- insured

Rules:

• The account must be in good standing.
• The account must be open for the entire term.
• There is a 90-day early withdrawal penalty for terms of 12 months or less, and a 180-day early withdrawal penalty for terms greater than 12 months.

Pros:

• A new member must open a VIP Savings Account with a minimum of $5 to establish a membership with Landmark.
• Accounts can be opened online or at any of our local branch locations.
• Landmark Credit Union is also federally insured by the NCUA

Rules:

• Dividends are paid on the entire daily balance whenever it is $2,500 or more.
• APY may range from 7.50% – .11% on balances over $500.
• Account cannot be opened online and must be opened within the branch.
• There is a penalty for early Certificate withdrawal.
• Premium Checking base rate is 0% APY. Premium Checking Accounts with e-statements (valid email address required) and direct deposit earn 7.50% APY on balances up to $500. APY may range from 7.50% – .11% on balances over $500. Direct deposit is defined as a minimum of $250 per month in ACH deposits, which may include payroll, pension or government benefit payments. One Premium Checking Account per member.

Pros:

• Low minimum daily balance
• Competitive interest
• $300 cash reward when you open a checking account with qualifying activity*
• Unlimited check writing plus first order of checks are free
• Online banking, bill pay, mobile banking with check deposit, eStatements, and low balance alerts are free
• Debit card included with access to 600+ free ATMs statewide

Rules:

• An active Bank Five Nine consumer checking account is required to receive higher APYs for Special Relationship pricing.
• Fees may reduce earnings.
• A penalty may be imposed for early withdrawal from the accounts listed unless otherwise noted.
•  Offer valid to consumer accounts only.
• Bank Five Nine does not generally accept institutional or brokered deposits to any of our deposit products.