Bank Reviews

Huntington Bank Reviews, Rates: CDs, Savings, Money Market, Mortgages

Huntington Bank was founded no where else but the great ol’ Midwest. Surviving 140 years is a big accomplishment but they continue to strive forward with their personable way of banking. Huntington Bank proves to be different from the other banks and doesn’t believe the hype that “all banks are the same.” Even after the recent economical crisis, Huntington Bank continued to be ranked the number one SBA lender in their region. They continued to lend money to small business and give hope to people who were turned away by so many others.

Huntington Bank’s core values:

  • Accountability. We do what we say and own what we do.
  • Communication: We work hard to make sure every voice is heard.
  • Inclusion: We learn from and embrace our differences.
  • Passion: We express our passion in everything we do.
  • Service: We are about creating extraordinary customer experiences.
  • Teamwork: We help each other excel.

Review: Huntington Bank Services

Huntington Bank offers 24-Hour Grace® which is a program that actually allows you to overdraw. Now, its purpose is not for you to intentionally overdraw all the time however when the unexpected happens, you know that Huntington Bank has you covered. Simply be sure to make a deposit during the next business day and incur no overdraft fees.

Asterisk-Free Checking™ is a checking account that is completely free. The catchy name makes this account popular within their broad group of customers and the fact that they will never be charged for maintaining a checking account with Huntington Bank. Huntington Ban also has Huntington Plus Checking which is an interest bearing account designed to help you manage your money in a convenient and secure manner.

Huntington Bank has its own insurance policies as well. The policies range from motor vehicle to franchises. Insurance is also offered for personal needs such as the loss of a spouse.

[tab:CDs]

Huntington Bank offers numerous CDs to fit the lifestyles of their customers. All regular CDs require a $1,000.00 minimum to open except for the promotional and jumbo CDs. For a promotional CD, one must have $15,000.00 to open and $100,000.00 for a jumbo CD.

Huntington Bank: Huntington Easy Access CD (promotion) Rates – as of 8/15/11

  • 12 Months
    • $15,000.00 – $250,000.00 – 0.50% Interest Rate – 0.50% APY

Huntington Bank: 24 Month Stepped Rate CD Rates – as of 8/15/11

  • 1st 6 Months
    • $1,000.00 – $99,999.99 – 0.40% Interest Rate – 0.80% APY
  • 2nd 6 Months
    • $1,000.00 – $99,999.99 – 0.60% Interest Rate – 0.80% APY
  • 3rd 6 Months
    • $1,000.00 – $99,999.99 – 1.00% Interest Rate – 0.80% APY
  • 4th 6 Months
    • $1,000.00 – $99,999.99 – 1.20% Interest Rate – 0.80% APY

Huntington Bank: 48 Month Stepped Rate CD Rates – as of 8/15/11

  • 1st 12 Months
    • $1,000.00 – $99,999.99 – 0.75% Interest Rate – 1.50% APY
  • 2nd 12 Months
    • $1,000.00 – $99,999.99 – 1.00% Interest Rate – 1.50% APY
  • 3rd 12 Months
    • $1,000.00 – $99,999.99 – 2.05% Interest Rate – 1.50% APY
  • 4th 12 Months
    • $1,000.00 – $99,999.99 – 2.15% Interest Rate – 1.50% APY

Huntington Bank: 13 Month Linked-Rate CD Rates – as of 8/15/11

  • $1,000.00 – $99,999.99 – 0.75% Interest Rate – 0.75% APY

Huntington Bank: 37 Month Linked-Rate CD Rates – as of 8/15/11

  • $1,000.00 – $99,999.99 – 1.50% Interest Rate – 1.50% APY

Huntington Bank: CD < $100K Term Stated in Months – as of 8/15/11

  • 1 Month
    • $1,000.00 – $9,999.99 – 0.05% Interest Rate – 0.05% APY
    • $10,000.00 – $49,999.99 – 0.10% Interest Rate – 0.10% APY
    • $50,000.00 – $99,999.99 – 0.10% Interest Rate – 0.10% APY
  • 3 Months
    • $1,000.00 – $9,999.99 – 0.10% Interest Rate – 0.10% APY
    • $10,000.00 – $49,999.99 – 0.10% Interest Rate – 0.10% APY
    • $50,000.00 – $99,999.99 – 0.10% Interest Rate – 0.10% APY
  • 6 Months
    • $1,000.00 – $9,999.99 – 0.15% Interest Rate – 0.15% APY
    • $10,000.00 – $49,999.99 – 0.15% Interest Rate – 0.15% APY
    • $50,000.00 – $99,999.99 – 0.15% Interest Rate – 0.15% APY
  • 9 Months
    • $1,000.00 – $9,999.99 – 0.15% Interest Rate – 0.15% APY
    • $10,000.00 – $49,999.99 – 0.15% Interest Rate – 0.15% APY
    • $50,000.00 – $99,999.99 – 0.15% Interest Rate – 0.15% APY
  • 12 Months
    • $1,000.00 – $9,999.99 – 0.20% Interest Rate – 0.20% APY
    • $10,000.00 – $49,999.99 – 0.20% Interest Rate – 0.20% APY
    • $50,000.00 – $99,999.99 – 0.20% Interest Rate – 0.20% APY
  • 18 Months
    • $1,000.00 – $9,999.99 – 0.35% Interest Rate – 0.35% APY
    • $10,000.00 – $49,999.99 – 0.35% Interest Rate – 0.35% APY
    • $50,000.00 – $99,999.99 – 0.35% Interest Rate – 0.35% APY
  • 24 Months
    • $1,000.00 – $9,999.99 – 0.50% Interest Rate – 0.50% APY
    • $10,000.00 – $49,999.99 – 0.50% Interest Rate – 0.50% APY
    • $50,000.00 – $99,999.99 – 0.50% Interest Rate – 0.50% APY
  • 36 Months
    • $1,000.00 – $9,999.99 – 0.75% Interest Rate – 0.75% APY
    • $10,000.00 – $49,999.99 – 0.75% Interest Rate – 0.75% APY
    • $50,000.00 – $99,999.99 – 0.75% Interest Rate – 0.75% APY
  • 48 Months
    • $1,000.00 – $9,999.99 – 1.00% Interest Rate – 1.01% APY
    • $10,000.00 – $49,999.99 – 1.00% Interest Rate – 1.01% APY
    • $50,000.00 – $99,999.99 – 1.00% Interest Rate – 1.01% APY
  • 60 Months
    • $1,000.00 – $9,999.99 – 1.24% Interest Rate – 1.25% APY
    • $10,000.00 – $49,999.99 – 1.24% Interest Rate – 1.25% APY
    • $50,000.00 – $99,999.99 – 1.24% Interest Rate – 1.25% APY
  • 72 Months
    • $1,000.00 – $9,999.99 – 1.49% Interest Rate – 1.50% APY
    • $10,000.00 – $49,999.99 – 1.49% Interest Rate – 1.50% APY
    • $50,000.00 – $99,999.99 – 1.49% Interest Rate – 1.50% APY

Huntington Bank: CD < $100K Term Stated in Days – as of 8/15/11

  • 14 Days
    • $1,000.00 – $9,999.99 – 0.05% Interest Rate – 0.05% APY
    • $10,000.00 – $49,999.99 – 0.10% Interest Rate – 0.10% APY
    • $50,000.00 – $99,999.99 – 0.10% Interest Rate – 0.10% APY
  • 30 Days
    • $1,000.00 – $9,999.99 – 0.05% Interest Rate – 0.05% APY
    • $10,000.00 – $49,999.99 – 0.10% Interest Rate – 0.10% APY
    • $50,000.00 – $99,999.99 – 0.10% Interest Rate – 0.10% APY
  • 91 Days
    • $1,000.00 – $9,999.99 – 0.10% Interest Rate – 0.10% APY
    • $10,000.00 – $49,999.99 – 0.10% Interest Rate – 0.10% APY
    • $50,000.00 – $99,999.99 – 0.10% Interest Rate – 0.10% APY
  • 182 Days
    • $1,000.00 – $9,999.99 – 0.15% Interest Rate – 0.15% APY
    • $10,000.00 – $49,999.99 – 0.15% Interest Rate – 0.15% APY
    • $50,000.00 – $99,999.99 – 0.15% Interest Rate – 0.15% APY

Huntington Bank: Jumbo CD > $100K Term Stated in Days – as of 8/15/11

  • 7 Days
    • $100,000.00 – $249,999.99 – 0.10% Interest rate – 0.10% APY
    • $250,000.00 – $99,999,999.99 – 0.10% Interest Rate – 0.10% APY
  • 14 Days
    • $100,000.00 – $249,999.99 – 0.10% Interest rate – 0.10% APY
    • $250,000.00 – $99,999,999.99 – 0.10% Interest Rate – 0.10% APY
  • 30 Days
    • $100,000.00 – $249,999.99 – 0.10% Interest rate – 0.10% APY
    • $250,000.00 – $99,999,999.99 – 0.10% Interest Rate – 0.10% APY
  • 60 Days
    • $100,000.00 – $249,999.99 – 0.10% Interest rate – 0.10% APY
    • $250,000.00 – $99,999,999.99 – 0.10% Interest Rate – 0.10% APY
  • 90 Days
    • $100,000.00 – $249,999.99 – 0.10% Interest rate – 0.10% APY
    • $250,000.00 – $99,999,999.99 – 0.10% Interest Rate – 0.10% APY
  • 180 Days
    • $100,000.00 – $249,999.99 – 0.25% Interest rate – 0.25% APY
    • $250,000.00 – $99,999,999.99 – 0.25% Interest Rate – 0.25% APY
  • 270 Days
    • $100,000.00 – $249,999.99 – 0.25% Interest rate – 0.25% APY
    • $250,000.00 – $99,999,999.99 – 0.25% Interest Rate – 0.25% APY
  • 365 Days
    • $100,000.00 – $249,999.99 – 0.25% Interest rate – 0.25% APY
    • $250,000.00 – $99,999,999.99 – 0.25% Interest Rate – 0.25% APY
  • 547 Days
    • $100,000.00 – $249,999.99 – 0.40% Interest rate – 0.40% APY
    • $250,000.00 – $99,999,999.99 – 0.40% Interest Rate – 0.40% APY
  • 730 Days
    • $100,000.00 – $249,999.99 – 0.55% Interest rate – 0.55% APY
    • $250,000.00 – $99,999,999.99 – 0.55% Interest Rate – 0.55% APY
  • 912 Days
    • $100,000.00 – $249,999.99 – 0.70% Interest rate – 0.70% APY
    • $250,000.00 – $99,999,999.99 – 0.70% Interest Rate – 0.70% APY
  • 1095 Days
    • $100,000.00 – $249,999.99 – 0.85% Interest rate – 0.85% APY
    • $250,000.00 – $99,999,999.99 – 0.85% Interest Rate – 0.85% APY
  • 1460 Days
    • $100,000.00 – $249,999.99 – 1.09% Interest rate – 1.10% APY
    • $250,000.00 – $99,999,999.99 – 1.09% Interest Rate – 1.10% APY
  • 1825 Days
    • $100,000.00 – $249,999.99 – 1.34% Interest rate – 1.35% APY
    • $250,000.00 – $99,999,999.99 – 1.34% Interest Rate – 1.35% APY

Terms & ConditionsA penalty will be imposed for early withdrawals in the first 12 months. For promotions, it is 6 days after the day of account opening. The minimum balance to earn interest on Linked-Rate CD is $1.00. The rates may change after the account is open and subject to change without notice.

[tab:Savings Accounts]

Huntington Bank offers a Premier Savings account that requires no minimum balance to earn interest. If you want any easy way to start building your savings, then this is the account for you. To avoid monthly and other fees, maintain a $300.00 average daily balance in the account or link your Premier Savings account to a qualifying Huntington checking account.

A great option for avid online-only bankers is the Huntington Anywhere Savings account. There is no minimum balance to meet and only $1.00 opens the account. When the account has $2,500.00 and over, customers can receive a great rate at 0.15 percent.

Huntington Bank also has health savings accounts. These accounts are tax-free and there is also no minimum balance to earn interest. You will have no monthly fee, no annual fee, no set-up fees, and no fees for withdrawals.

Huntington Bank: Premier Savings Account Rates – as of 8/15/11

  • $0.01 – $2,499.99 – 0.05% Interest Rate – 0.05% APY
  • $2,500.00 – $9,999.99 – 0.05% Interest Rate – 0.05% APY
  • $10,000.00 – $19,999.99 – 0.05% Interest Rate – 0.05% APY
  • $20,000.00 – $49,999.99 – 0.10% Interest Rate – 0.10% APY
  • $50,000.00 – $99,999.99 – 0.10% Interest Rate – 0.10% APY
  • $100,000.00 – $99,999,999,999.99 – 0.10% Interest Rate – 0.10% APY

Huntington Bank: Health Savings Account Rates – as of 8/15/11

  • $0 – $999.99 – 0.05% Interest Rate – 0.05% APY
  • $1,000.00 – $2,499.99 – 0.10% Interest Rate – 0.10% APY
  • $2,500.00 – $9,999.99 – 0.15% Interest Rate – 0.15% APY
  • $10,000.00 – $99,999,999.99 – 0.25% Interest rate – 0.25% APY

Terms & ConditionsRates may change after account is opened. Fees may reduce earnings.

[tab:Money Market]

Both of Huntington Bank’s money market accountsoffer the same purpose which is to build your savings while still having the ability to write checks. They both qualify for the Free 24-Hour Grace™ overdraft service and free mobile banking.

The Huntington Premier Money Market (SM) Account requires an average daily balance of $2,000.00 to avoid monthly maintenance fees and the Huntington Premier Plus Money market (SM) Account requires $20,000.00. You can also link your account to a qualifying Huntington checking account to avoid the monthly maintenance fee.

The Huntington Premier Money Market (SM) Account requires no minimum balance in order to receive interest; however, the Huntington Premier Plus Money market (SM) requires the minimum opening deposit and balance of $20,000.00 to earn interest.

Huntington Bank: Premier Money Market – as of 8/15/11

  • $0.01 to $2,499.99 – 0.05% Interest Rate – 0.05% APY
  • $2,500.00 – $9,999.99 – 0.15% Interest Rate – 0.15% APY
  • $10,000.00 – $19,999.99 – 0.20% Interest Rate – 0.20% APY
  • $20,000.00 – $49,999.99 – 0.25% Interest Rate – 0.25% APY
  • $50,000.00 – $99,999.99 – 0.25% Interest Rate – 0.25% APY
  • $100,000.00 – $99,999,999,999.99 – 0.25% Interest Rate – 0.25% APY

Huntington Bank: Premier Plus Money Market – as of 8/15/11

  • $0.01 to $19,999.99 – 0.00% Interest Rate – 0.00% APY
  • $20,000.00 – $49,999.99 – 1.24% Interest Rate – 1.25% APY
  • $50,000.00 – $99,999.99 – 1.24% Interest Rate – 1.25% APY
  • $100,000.00 – $2,000,000.99 – 1.24% Interest Rate – 1.25% APY
  • $2,000,001.00 – $$99,999,999,999.99 – 0.40% Interest Rate – 0.40% APY

Terms & ConditionsAnnual percentage yield (APY) accurate as of effective date stated above. Rates may change after account is opened. Fees may reduce earnings.

[tab:Mortgages]

Competitive rates and great personal service is what Huntington Bank gives to each and every mortgage client they encounter. It you are going through the process of buying a home or refinancing, Huntington Bank offers a variety of mortgage banking products to suit your lifestyle. They also have online planners and tools to help you get the answers you need.

Huntington Bank: Fixed Conventional Rate Terms – as of 8/12/11

  • 30-yr fixed – 3.875% Interest Rate – 0.750 Discount Points – 4.191% APR – 360 payment of $564.29 Payment Stream
  • 20-yr fixed – 3.875% Interest Rate – 0.375 Discount Points – 4.269% APR – 240 payment of $719.30 Payment Stream
  • 15-yr fixed – 3.250% Interest Rate – -0.500 Discount Points – 3.603% APR – 180 payment of $843.21 Payment Stream
  • 10-yr fixed – 3.250% Interest Rate – -0.875 Discount Points – 3.681% APR – 120 payment of $1,172.63 Payment Stream

Huntington Bank: Adjustable Rate Mortgage (ARM) Terms – as of 8/12/11

  • 3/1 ARM – 2.875% Interest Rate – 0.000 Discount Points – 3.210% APR – 36 payment of $497.99/324 payment of $505.24 Payment Stream
  • 5/1 ARM – 3.500% Interest Rate – 0.000 Discount Points – 3.417% APR – 60 payment of $538.86/300 payment of $510.43 Payment Stream

[tab:END]

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