Best 6-Month CD Rates in Ohio, OH

You are viewing rates from banks across Ohio

Below are the best six-month CD Rates from banks with branches in Ohio. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

OH - November 21, 2024

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
First Bank of Central Ohio	5.00%	$500	-	Learn More Add Review
Rate History: 5.35% → 5.25% → 5.50% → 5.40% → 5.00%
First Federal Savings and Loan Association of Lakewood	5.00%	$500	-	Learn More
Rate History: 5.25% → 5.00%
Pam \| Jan 21, 2020 The people there are very friendly and helpful. They have good rates most of the time. Read More Reviews (2)
S&T Bank	5.00%	$1,000	-	Learn More
Rate History: 4.25% → 5.00%
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Beal Bank	4.75%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 5.15% → 5.25% → 5.15% → 4.75%
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$5,000	-	Learn More Add Review
Rate History: 5.30% → 5.40% → 5.20% → 5.05% → 4.50%
Matty H \| Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More
TD Bank, National Association	4.50% 1.00%	$10,001 $10,000	-	Learn More
Rate History: 5.00% → 4.50%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Banesco USA	4.50%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.10% → 5.25% → 5.20% → 5.00% → 4.50%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Northwest Bank	4.50%	$500	-	Learn More Add Review
Rate History: 5.25% → 5.15% → 4.90% → 4.80% → 4.50%
Bask Bank, a division of Texas Capital Bank	4.45%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 5.10% → 5.00% → 4.80% → 4.70% → 4.45%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
Farmers & Merchants Bank	4.06%	$1,000	-	Learn More Add Review
Bank of America, National Association	4.00%	$10,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Capital One, National Association	3.90%	$0	-	Learn More
Rate History: 4.35% → 4.25% → 4.20% → 4.00% → 3.90%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Citibank, National Association	3.50%	$500	-	Learn More
Rate History: 0.05% → 4.75% → 4.65% → 3.75% → 3.50%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
USAA Federal Savings Bank	3.45%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55% → 3.45%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Gateway First Bank	3.35%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Bank of Whittier, National Association	3.33%	$1,000	-	Learn More Add Review
Woodforest National Bank	3.00%	$500	-	Learn More
Rate History: 3.35% → 3.00%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Wells Fargo Bank, National Association	2.01% 2.00%	$100,000 $25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
United Bank	1.75%	$500	-	Learn More
Jimleestro \| Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More Reviews (1)
JPMorgan Chase Bank, National Association	1.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Citizens Federal Savings and Loan Association	0.85%	$10,000	-	Learn More Add Review
The First National Bank of Pandora	0.75%	$1,000	-	Learn More Add Review
The Peoples Savings and Loan Company	0.66%	$10,000	-	Learn More Add Review
The Community Bank	0.60%	$2,500	-	Learn More Add Review
Rate History: 1.00% → 5.01% → 4.25% → 3.85% → 0.60%
The Waterford Commercial and Savings Bank	0.59%	$100,000	-	Learn More Add Review
Belmont Savings Bank	0.45%	$98,000	-	Learn More Add Review
Third Federal Savings and Loan Association of Cleveland	0.45%	$500	-	Learn More Add Review
Portage Community Bank	0.45%	$10,000	-	Learn More Add Review
Spring Valley Bank	0.40%	$10,000	-	Learn More Add Review
Union Savings Bank	0.40%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
The Covington Savings and Loan Association	0.40%	$10,000	-	Learn More Add Review
First National Bank in New Bremen	0.40%	$100,000	-	Learn More Add Review
The Marblehead Bank	0.40%	$25,000	-	Learn More Add Review
The First National Bank of Bellevue	0.40%	$100,000	-	Learn More Add Review
The Home Savings and Loan Company of Kenton, Ohio	0.40%	$10,000	-	Learn More Add Review
Fidelity Federal Savings and Loan Association of Delaware	0.40%	$10,000	-	Learn More Add Review
The Brookville Building and Savings Association	0.40%	$10,000	-	Learn More Add Review
The Waterford Commercial and Savings Bank	0.39%	$10,000	-	Learn More Add Review
The Citizens Bank Company	0.37%	$100,000	-	Learn More Add Review
Hometown Bank	0.35%	$10,000	-	Learn More
Donaldson \| Oct 6, 2023 Awful bank. Poor service, rude and some of the lowest rates out there. Avoid Read More Reviews (1)
The Commercial and Savings Bank of Millersburg, Ohio	0.35%	$100,000	-	Learn More Add Review
The Killbuck Savings Bank Company	0.35%	$100,000	-	Learn More Add Review
Union Savings Bank	0.35%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
Peoples State Bank	0.35%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank	0.35%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
The Apple Creek Banking Company	0.30%	$500	-	Learn More Add Review
First National Bank in New Bremen	0.30%	$10,000	-	Learn More Add Review
Home National Bank	0.30%	$500	-	Learn More Add Review
The Hamler State Bank	0.30%	$5,000	-	Learn More Add Review
Wayne Savings Community Bank	0.30%	$10,000	-	Learn More Add Review
The Commercial and Savings Bank of Millersburg, Ohio	0.30%	$10,000	-	Learn More Add Review
The Killbuck Savings Bank Company	0.30%	$10,000	-	Learn More Add Review
Forcht Bank, National Association	0.30%	$10,000	-	Learn More Add Review
CenterBank	0.30%	$10,000	-	Learn More
scubagirl \| Mar 4, 2017 For greater Cincinnati customers only. Read More Reviews (1)
RiverHills Bank	0.25%	$500	-	Learn More Add Review
The First National Bank of Germantown	0.25%	$500	-	Learn More Add Review
Stock Yards Bank & Trust Company	0.25%	$500	-	Learn More Add Review
The North Side Bank and Trust Company	0.25%	$10,000	-	Learn More Add Review
Home Savings Bank of Wapakoneta	0.25%	$1,000	-	Learn More Add Review
Signature Bank, National Association	0.25%	$100,000	-	Learn More Add Review
The First National Bank of Bellevue	0.25%	$10,000	-	Learn More Add Review
The Antwerp Exchange Bank Company	0.25%	$100,000	-	Learn More Add Review
First National Bank of Pennsylvania	0.25%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
Peoples Savings and Loan Company	0.25%	$10,000	-	Learn More
PeoplesSavingsAndLoanisBad \| Jul 5, 2022 Do not use this bank , they refuse to work with any other financial company and if they decline your for a loan they won’t allow anyone else to give you a loan or business funding so you are stuck. This ... Read More Reviews (1)
First Federal Community Bank of Bucyrus	0.25%	$10,000	-	Learn More Add Review
First Bank Richmond	0.25%	$10,000	-	Learn More Add Review
The Peoples Savings Bank	0.25%	$10,000	-	Learn More Add Review
Somerville Bank	0.25%	$10,000	-	Learn More Add Review
The Ohio Valley Bank Company	0.25%	$10,000	-	Learn More Add Review
The Citizens Bank Company	0.25%	$10,000	-	Learn More Add Review
CNB Bank	0.22%	$10,000	-	Learn More Add Review
The Marblehead Bank	0.21%	$10,000	-	Learn More Add Review
Belmont Savings Bank	0.20%	$500	-	Learn More Add Review
The Harrison Building and Loan Association	0.20%	$10,000	-	Learn More Add Review
The Twin Valley Bank	0.20%	$10,000	-	Learn More Add Review
The Genoa Banking Company	0.20%	$10,000	-	Learn More Add Review
Civista Bank	0.20%	$10,000	-	Learn More
Disappointed \| Feb 5, 2020 We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More Reviews (2)
LCNB National Bank	0.20%	$10,000	-	Learn More Add Review
The Middlefield Banking Company	0.20%	$10,000	-	Learn More
Joseph Usher \| May 6, 2015 The BEST BANK for 57years straight. The personel are wonderful to work with. ANYONE that needs Money, Middlefield Bank will be there to help. Read More Reviews (1)
Portage Community Bank	0.20%	$100,000	-	Learn More Add Review
First Federal Community Bank, National Association	0.20%	$500	-	Learn More Add Review
Monroe Federal Savings and Loan Association	0.20%	$10,000	-	Learn More Add Review
THE VINTON COUNTY NATIONAL BANK	0.20%	$1,000	-	Learn More
Morgan B \| Mar 12, 2023 I have several business loans through VCNB. Anyone considering borrowing money should consider using them for financing. They have the assets and abilities of larger chains, but you get a more personal i... Read More Reviews (1)
First Federal Savings and Loan Association	0.20%	$10,000	-	Learn More Add Review
THE HOME LOAN SAVINGS BANK	0.20%	$10,000	-	Learn More Add Review
North Valley Bank	0.20%	$10,000	-	Learn More Add Review
Fairfield Federal Savings and Loan Association of Lancaster	0.20%	$10,000	-	Learn More Add Review
The First National Bank of McConnelsville	0.20%	$10,000	-	Learn More Add Review
Community Savings	0.20%	$10,000	-	Learn More Add Review
The Cincinnatus Savings & Loan Co.	0.20%	$10,000	-	Learn More Add Review
The Antwerp Exchange Bank Company	0.18%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank	0.17%	$100,000	-	Learn More Add Review
The Richwood Banking Company	0.17%	$500	-	Learn More Add Review
The Peoples Bank	0.15%	$1,000	-	Learn More Add Review
Buckeye State Bank	0.15%	$10,000	-	Learn More Add Review
The Corn City State Bank	0.15%	$2,500	-	Learn More Add Review
FCN Bank, National Association	0.15%	$1,000	-	Learn More Add Review
Sutton Bank	0.15%	$10,000	-	Learn More Add Review
Dollar Bank, Federal Savings Bank	0.15%	$10,000	-	Learn More Add Review
Greenville Federal	0.15%	$10,000	-	Learn More Add Review
Galion Building and Loan Bank	0.15%	$10,000	-	Learn More Add Review
Mechanics Bank	0.15%	$10,000	-	Learn More
rosalie murray \| Jul 18, 2020 how long can i use rabo bank checks? Read More Reviews (1)
SSB Community Bank	0.15%	$10,000	-	Learn More Add Review
Commodore Bank	0.15%	$100,000	-	Learn More Add Review
Community Bank	0.15%	$10,000	-	Learn More Add Review
The Citizens National Bank of Woodsfield	0.15%	$10,000	-	Learn More Add Review
Woodsfield Savings Bank	0.15%	$10,000	-	Learn More Add Review
Kingston National Bank	0.15%	$1,000	-	Learn More Add Review
First Commonwealth Bank	0.15%	$100,000	-	Learn More Add Review
The Wilmington Savings Bank	0.15%	$10,000	-	Learn More Add Review
The First National Bank of Blanchester	0.15%	$10,000	-	Learn More Add Review
Southern Hills Community Bank	0.15%	$10,000	-	Learn More Add Review
The Farmers Bank and Savings Company	0.15%	$10,000	-	Learn More Add Review
First Mutual Bank, FSB	0.15%	$10,000	-	Learn More Add Review
The Settlers Bank	0.15%	$10,000	-	Learn More Add Review
The First National Bank of Dennison	0.14%	$10,000	-	Learn More Add Review
Heartland Bank	0.13%	$10,000	-	Learn More
Billmaryd33@aol.com \| Apr 23, 2021 Billmaryd33@aol.com Read More Reviews (1)
New Carlisle Federal Savings Bank	0.12%	$100,000	-	Learn More Add Review
The Citizens National Bank of McConnelsville	0.12%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.10%	$1,000	-	Learn More Add Review
The Park National Bank	0.10%	$1,000	-	Learn More Add Review
Minster Bank	0.10%	$10,000	-	Learn More Add Review
The Peoples Savings Bank	0.10%	$500	-	Learn More Add Review
Liberty Bank	0.10%	$1,000	-	Learn More Add Review
The First National Bank of Sycamore	0.10%	$1,000	-	Learn More Add Review
First Federal Bank of Ohio	0.10%	$2,500	-	Learn More Add Review
The Hicksville Bank	0.10%	$500	-	Learn More Add Review
First Bank of Ohio	0.10%	$500	-	Learn More Add Review
The Ottoville Bank Company	0.10%	$10,000	-	Learn More Add Review
The Old Fort Banking Company	0.10%	$10,000	-	Learn More Add Review
The Republic Banking Company	0.10%	$500	-	Learn More Add Review
Buckeye Community Bank	0.10%	$10,000	-	Learn More Add Review
The Farmers National Bank of Canfield	0.10%	$500	-	Learn More Add Review
The St. Henry Bank	0.10%	$10,000	-	Learn More Add Review
The Osgood State Bank	0.10%	$10,000	-	Learn More Add Review
Mercer Savings Bank	0.10%	$10,000	-	Learn More Add Review
The Fahey Banking Company	0.10%	$10,000	-	Learn More Add Review
The First Central National Bank of St. Paris	0.10%	$10,000	-	Learn More Add Review
New Carlisle Federal Savings Bank	0.10%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.10%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.10%	$10,000	-	Learn More Add Review
Commodore Bank	0.10%	$10,000	-	Learn More Add Review
First Merchants Bank	0.10%	$100,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Valley Central Bank	0.10%	$10,000	-	Learn More Add Review
The First National Bank of Waverly	0.10%	$10,000	-	Learn More Add Review
The Hocking Valley Bank	0.10%	$10,000	-	Learn More Add Review
Farmers State Bank	0.09%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Lorain	0.08%	$250	-	Learn More
Anon \| Jul 23, 2019 Oberlen Ave in Lorain Ohio Read More Reviews (27)
The Farmers & Merchants State Bank	0.07%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association	0.07%	$10,000	-	Learn More Add Review
The Sherwood State Bank	0.05%	$1,000	-	Learn More Add Review
Signature Bank, National Association	0.05%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
The Croghan Colonial Bank	0.05%	$500	-	Learn More Add Review
Premier Bank	0.05%	$500	-	Learn More Add Review
The State Bank and Trust Company	0.05%	$10,000	-	Learn More Add Review
The Metamora State Bank	0.05%	$10,000	-	Learn More Add Review
The Union Bank Company	0.05%	$500	-	Learn More Add Review
First Financial Bank	0.05%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Van Wert	0.05%	$10,000	-	Learn More Add Review
The Fort Jennings State Bank	0.05%	$10,000	-	Learn More Add Review
Van Wert Federal Savings Bank	0.05%	$10,000	-	Learn More Add Review
The Citizens National Bank of Bluffton	0.05%	$10,000	-	Learn More Add Review
The First Citizens National Bank of Upper Sandusky	0.05%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.05%	$10,000	-	Learn More Add Review
Greenville National Bank	0.05%	$10,000	-	Learn More Add Review
Community First Bank, National Association	0.05%	$10,000	-	Learn More Add Review
The Bank of Magnolia Company	0.05%	$10,000	-	Learn More Add Review
Cf Bank, National Association	0.05%	$10,000	-	Learn More
James R. \| Sep 11, 2020 CF Bank showed good promise as a lender. They have a nice site with a swift intake and origination process. My originator, Dylan, was knowledgeable and a pleasure to work with. I unfortunately can’t g... Read More Reviews (3)
The Merchants National Bank	0.05%	$10,000	-	Learn More Add Review
First Merchants Bank	0.05%	$10,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Peoples Bank	0.04%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
The Pataskala Banking Company	0.04%	$10,000	-	Learn More Add Review
First State Bank	0.04%	$10,000	-	Learn More Add Review
The Farmers and Merchants Bank	0.04%	$10,000	-	Learn More Add Review
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
First Bank of Berne	0.01%	$1,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

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