Best Credit Union 4 Year CD Rates in Ohio, OH

You are viewing rates from credit unions across Ohio

Below are four year CD Rates from credit unions in Ohio. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

OH - December 22, 2024

4 Year CD National Average : 0.81% ^?

Credit Unions	APY	MIN	MILES ^?
Wright-patt Credit Union, Inc. Restrictions	4.33% 4.23%	$100,000 $500	-	Learn More Add Review
Bayer Heritage Restrictions	3.72% 3.67%	$100,000 $100	-	Learn More Add Review
Rate History: 3.10% → 3.72%
Truliant Restrictions	3.34% 3.29% 3.24% 3.18%	$100,000 $25,000 $5,000 $250	-	Learn More Add Review
Rate History: 3.35% → 3.34%
Riverview Restrictions	3.30% 3.04% 2.94%	$50,000 $10,000 $500	-	Learn More Add Review
Connexus Restrictions	3.21% 3.11%	$100,000 $5,000	-	Learn More
Rate History: 3.96% → 3.56% → 4.06% → 3.55% → 3.21%
Josh Hinson \| Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More Reviews (7)
United Restrictions	2.70%	$500	-	Learn More Add Review
OHIO CATHOLIC FCU Restrictions	2.65%	$500	-	Learn More Add Review
Rate History: 3.00% → 2.95% → 2.25% → 2.65%
Three Rivers Restrictions	2.50%	$1,000	-	Learn More Add Review
Baxter Restrictions	1.85%	$500	-	Learn More Add Review
Rate History: 2.30% → 2.10% → 2.00% → 1.90% → 1.85%
Midwest Community Restrictions	1.36%	$100,000	-	Learn More Add Review
Ohio Valley Community Restrictions	1.36%	$10,000	-	Learn More Add Review
Steel Valley Restrictions	1.30%	$10,000	-	Learn More Add Review
Ashland Restrictions	1.20%	$100,000	-	Learn More Add Review
Quest Restrictions	1.18%	$100,000	-	Learn More Add Review
Midwest Community Restrictions	1.16%	$10,000	-	Learn More Add Review
Heartland Restrictions	1.16%	$10,000	-	Learn More Add Review
River Valley	1.15%	$100,000	-	Learn More Add Review
Kemba Restrictions	1.15%	$10,000	-	Learn More Add Review
Day Air Restrictions	1.15%	$10,000	-	Learn More Add Review
Cme Restrictions	1.11%	$100,000	-	Learn More Add Review
Cornerstone Community Financial Restrictions	1.10%	$100,000	-	Learn More Add Review
Unity Catholic Restrictions	1.10%	$10,000	-	Learn More Add Review
Ukrainian Restrictions	1.10%	$10,000	-	Learn More Add Review
Ashland Restrictions	1.10%	$10,000	-	Learn More Add Review
Together Restrictions	1.10%	$10,000	-	Learn More Add Review
Desco Restrictions	1.10%	$100,000	-	Learn More Add Review
Ohio University Restrictions	1.10%	$100,000	-	Learn More Add Review
Atomic Restrictions	1.06%	$10,000	-	Learn More Add Review
Ih Credit Union, Inc.	1.05%	$1,000	-	Learn More Add Review
Cornerstone Community Financial Restrictions	1.05%	$10,000	-	Learn More Add Review
Aurgroup Restrictions	1.05%	$100,000	-	Learn More Add Review
River Valley	1.05%	$10,000	-	Learn More Add Review
Firefighters & Company	1.04%	$10,000	-	Learn More Add Review
Impact Credit Union, Inc. Restrictions	1.01%	$10,000	-	Learn More Add Review
Millstream Area	1.00%	$10,000	-	Learn More Add Review
Superior Credit Union, Inc Restrictions	1.00%	$10,000	-	Learn More Add Review
Bay Area Restrictions	1.00%	$10,000	-	Learn More Add Review
Everence Restrictions	1.00%	$100,000	-	Learn More Add Review
Abbey Restrictions	1.00%	$10,000	-	Learn More Add Review
Pathways Financial Restrictions	1.00%	$100,000	-	Learn More Add Review
Telhio Restrictions	1.00%	$10,000	-	Learn More Add Review
Trupartner Restrictions	1.00%	$10,000	-	Learn More Add Review
Directions Restrictions	0.95%	$10,000	-	Learn More Add Review
Community Star Restrictions	0.95%	$100,000	-	Learn More Add Review
Cleveland Police Restrictions	0.95%	$10,000	-	Learn More
Alfonso white \| Sep 26, 2023 Does Cleveland police credit union use chexsystems Read More Reviews (1)
Community One Credit Union Of Ohio Restrictions	0.95%	$10,000	-	Learn More Add Review
Cincinnati Ohio Police Restrictions	0.95%	$10,000	-	Learn More Add Review
Quest Restrictions	0.92%	$10,000	-	Learn More Add Review
Cinfed Restrictions	0.90%	$500	-	Learn More Add Review
Glass City Restrictions	0.90%	$10,000	-	Learn More Add Review
Erie Community	0.90%	$10,000	-	Learn More Add Review
Community First Restrictions	0.90%	$100,000	-	Learn More Add Review
Everence Restrictions	0.90%	$10,000	-	Learn More Add Review
First Service Restrictions	0.90%	$10,000	-	Learn More Add Review
Homeland Restrictions	0.90%	$100,000	-	Learn More Add Review
Desco Restrictions	0.90%	$10,000	-	Learn More Add Review
Ohio University Restrictions	0.90%	$10,000	-	Learn More Add Review
Promedica Restrictions	0.85%	$10,000	-	Learn More Add Review
Hancock Restrictions	0.85%	$10,000	-	Learn More Add Review
Community Star Restrictions	0.85%	$10,000	-	Learn More Add Review
Wayne County Community Restrictions	0.85%	$10,000	-	Learn More Add Review
Kemba Financial Restrictions	0.85%	$10,000	-	Learn More Add Review
Universal 1 Restrictions	0.85%	$10,000	-	Learn More Add Review
Pathways Financial Restrictions	0.85%	$10,000	-	Learn More Add Review
Columbus Metro Restrictions	0.85%	$10,000	-	Learn More Add Review
Bridge Restrictions	0.85%	$10,000	-	Learn More Add Review
Code Restrictions	0.85%	$10,000	-	Learn More Add Review
Commodore Perry	0.80%	$10,000	-	Learn More Add Review
Sun Restrictions	0.80%	$10,000	-	Learn More Add Review
Usx Restrictions	0.80%	$100,000	-	Learn More Add Review
Community First Restrictions	0.80%	$10,000	-	Learn More Add Review
Advantage Restrictions	0.80%	$10,000	-	Learn More Add Review
Summit Restrictions	0.80%	$10,000	-	Learn More Add Review
Dover-phila Restrictions	0.80%	$10,000	-	Learn More Add Review
Aurgroup Restrictions	0.80%	$10,000	-	Learn More Add Review
Day-met	0.80%	$10,000	-	Learn More Add Review
Vacationland Restrictions	0.75%	$100,000	-	Learn More Add Review
Cme Restrictions	0.75%	$10,000	-	Learn More Add Review
First Choice America Community Restrictions	0.75%	$10,000	-	Learn More Add Review
Homeland Restrictions	0.75%	$10,000	-	Learn More Add Review
Emery Restrictions	0.75%	$10,000	-	Learn More Add Review
Sharefax Restrictions	0.75%	$100,000	-	Learn More Add Review
Eaton Family Restrictions	0.71%	$10,000	-	Learn More Add Review
Your Legacy Restrictions	0.70%	$10,000	-	Learn More Add Review
Fremont Restrictions	0.70%	$1,000	-	Learn More Add Review
Vacationland Restrictions	0.70%	$10,000	-	Learn More Add Review
Usx Restrictions	0.70%	$10,000	-	Learn More Add Review
Pse Credit Union, Inc. Restrictions	0.70%	$10,000	-	Learn More Add Review
Lakeview Restrictions	0.70%	$10,000	-	Learn More Add Review
Firelands Restrictions	0.65%	$10,000	-	Learn More
Budd1976 \| May 6, 2021 I am very disappointed in the Firelands FCU. I tried to re-enroll and was very unsuccessful. I have been a customer of this establishment for five and one half years and have until this point been very h... Read More Reviews (1)
Greater Wayne Community	0.65%	$10,000	-	Learn More Add Review
Credit Union Of Ohio Restrictions	0.65%	$10,000	-	Learn More Add Review
Greenstate Restrictions	0.60%	$500	-	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Champion Restrictions	0.60%	$10,000	-	Learn More Add Review
Maumee Valley	0.60%	$500	-	Learn More Add Review
Bmi Restrictions	0.60%	$10,000	-	Learn More
Addie \| Jun 10, 2019 BMI doesn't provide overdraft, will deny charges, plus charge you $29.00 for those denied charges. Then you also incur a returned payment fee from your recipient of said payment. And they don't even noti... Read More Reviews (1)
Clearview Restrictions	0.60%	$10,000	-	Learn More Add Review
Bfg Restrictions	0.55%	$10,000	-	Learn More
dorr \| Oct 17, 2018 Ive never been able to obtain anything but a signature loan from them and I've been a member with BFG for years. Read More Reviews (1)
Firefighters Community Cu Restrictions	0.50%	$10,000	-	Learn More Add Review
Century Restrictions	0.50%	$10,000	-	Learn More Add Review
Taleris Restrictions	0.50%	$10,000	-	Learn More Add Review
Medina County Restrictions	0.50%	$10,000	-	Learn More Add Review
C E S Restrictions	0.50%	$10,000	-	Learn More Add Review
United Methodist Financial Credit U Restrictions	0.50%	$10,000	-	Learn More Add Review
Superior Savings	0.50%	$10,000	-	Learn More Add Review
Truecore Restrictions	0.50%	$100,000	-	Learn More Add Review
Hopewell Restrictions	0.50%	$10,000	-	Learn More Add Review
Midusa Restrictions	0.50%	$10,000	-	Learn More Add Review
Sharefax Restrictions	0.50%	$10,000	-	Learn More Add Review
Partners 1st Restrictions	0.45%	$10,000	-	Learn More Add Review
Ohio Educational Restrictions	0.45%	$10,000	-	Learn More Add Review
Firestone Restrictions	0.45%	$10,000	-	Learn More Add Review
Truecore Restrictions	0.45%	$10,000	-	Learn More Add Review
Allwealth	0.45%	$10,000	-	Learn More Add Review
Greater Cincinnati School Restrictions	0.45%	$10,000	-	Learn More Add Review
Golden Circle Restrictions	0.42%	$100,000	-	Learn More Add Review
Lake County Educational	0.40%	$10,000	-	Learn More Add Review
Genfed Financial	0.40%	$10,000	-	Learn More Add Review
Cardinal Credit Union, Inc. Restrictions	0.40%	$10,000	-	Learn More Add Review
Ashland Community	0.40%	$10,000	-	Learn More Add Review
Friends And Family Credit Union Inc Restrictions	0.40%	$10,000	-	Learn More
Robert E. Lee \| Feb 25, 2023 At friends and family credit union on Erie st Massillon Ohio, the people who work there are just great. from the employees in the offices to the very fine Loan officer to the great tellers . Can not say... Read More Reviews (1)
Emerald Credit Union, Inc.	0.30%	$10,000	-	Learn More
Ronald Sawyer \| Jun 26, 2023 I was very pleased with the service that Erica gave me when I came in. She was very helpful and very pleasant. Read More Reviews (1)
Towpath Restrictions	0.30%	$10,000	-	Learn More Add Review
Golden Circle Restrictions	0.30%	$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.

See rates for Online Banks →

See rates for Local Banks →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Ohio

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Credit Union CD Rates – 4-Year – Ohio

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Ohio

Download a Free eBook