Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Ohio
Below are the best one-year CD Rates from banks in Ohio. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.
OH - November 21, 2024
1 Year CD National Average : 0.55% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
5.09% 4.06% |
$100,000 $1,000 |
- |
Learn More
|
|
|
4.70% |
$500 |
- |
Learn More
|
|
|
Rate History: 5.00% → 5.25% → 5.00% → 4.75% → 4.70% |
||||
|
4.70% |
$50,000 |
- |
Learn More
|
|
|
Rate History: 5.38% → 5.35% → 5.10% → 4.90% → 4.70% |
||||
|
judy | Jul 7, 2022 Insbank 1 yr is 1.5 % 18month is 1.6% 7-7-2022 Read More |
||||
|
4.50% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 4.85% → 5.15% → 5.05% → 4.50% |
||||
|
4.50% |
$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 |
||||
|
4.50% |
$1,000 |
- |
Learn More
|
|
|
4.34% |
$1,000 |
- |
Learn More
|
|
|
4.30% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest.
|
||||
|
Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
||||
|
4.30% |
$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 |
||||
|
4.25% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 5.40% → 5.25% → 4.85% → 4.60% → 4.25% |
||||
|
james | Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More |
||||
|
4.25% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 4.90% → 5.13% → 4.98% → 4.40% → 4.25% |
||||
|
4.25% |
$5,000 |
- |
Learn More
|
|
|
Rate History: 4.50% → 4.25% |
||||
|
Dana E. | Mar 20, 2016 Good solid bank. Read More |
||||
|
4.25% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 90 days interest.
|
||||
|
smithy1968 | Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More |
||||
|
4.20% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 90 days interest.
|
||||
|
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 |
||||
|
4.20% |
$25,000 |
- |
Learn More
|
|
|
Warning: Early Withdrawal Penalty is 2% of the account balance.
|
||||
|
Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
||||
|
4.20% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 5.00% → 4.60% → 4.20% |
||||
|
lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
||||
|
4.00% |
$0 |
- |
Learn More
|
|
|
Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00% |
||||
|
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 |
||||
|
4.00% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00% |
||||
|
lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More |
||||
|
3.75% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 5.00% → 4.00% → 4.50% → 4.00% → 3.75% |
||||
|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
||||
|
3.75% |
$500 |
- |
Learn More
|
|
|
Rate History: 4.75% → 4.55% → 4.50% → 4.40% → 3.75% |
||||
|
3.75% |
$500 |
- |
Learn More
|
|
|
Rate History: 4.00% → 3.75% |
||||
|
Haja@gmail.com | May 15, 2020 Sucks don’t ever get with this bank Read More |
||||
|
3.75% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 4.00% → 4.50% → 4.00% → 3.75% |
||||
|
3.75% |
$100,000 |
- |
Learn More
|
|
|
Rate History: 3.51% → 0.03% → 3.75% → 4.25% → 3.75% |
||||
|
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 |
||||
|
3.54% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.85% → 3.64% → 3.54% |
||||
|
3.25% 3.00% |
$100,000 $10,000 |
- |
Learn More
|
|
|
Rate History: 3.00% → 2.00% → 3.50% → 3.25% |
||||
|
Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
||||
|
3.00% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 5.25% → 4.85% → 4.40% → 4.25% → 3.00% |
||||
|
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 |
||||
|
3.00% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.75% → 3.50% → 3.00% |
||||
|
Customer | Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More |
||||
|
3.00% |
$500 |
- |
Learn More
|
|
|
Rate History: 1.50% → 3.00% |
||||
|
2.75% |
$500 |
- |
Learn More
|
|
|
Rate History: 1.70% → 3.00% → 2.75% |
||||
|
Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
||||
|
2.50% |
$0 |
- |
Learn More
|
|
|
Rate History: 4.00% → 2.75% → 2.00% → 4.00% → 2.50% |
||||
|
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 |
||||
|
2.00% |
$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 |
||||
|
1.50% 1.01% |
$100,000 $25,000 |
- |
Learn More
|
|
|
Rate History: 2.00% → 1.50% |
||||
|
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 |
||||
|
1.11% |
$1,000 |
- |
Learn More
|
|
|
0.76% |
$10,000 |
- |
Learn More
|
|
|
0.69% |
$100,000 |
- |
Learn More
|
|
|
0.65% |
$10,000 |
- |
Learn More
|
|
|
0.65% |
$10,000 |
- |
Learn More
|
|
|
0.60% |
$100,000 |
- |
Learn More
|
|
|
0.60% |
$5,000 |
- |
Learn More
|
|
|
0.60% |
$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 |
||||
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
Donaldson | Oct 6, 2023 Awful bank. Poor service, rude and some of the lowest rates out there. Avoid Read More |
||||
|
0.60% |
$100,000 |
- |
Learn More
|
|
|
0.55% |
$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 |
||||
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
Billmaryd33@aol.com | Apr 23, 2021 Billmaryd33@aol.com Read More |
||||
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$98,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$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 |
||||
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$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 |
||||
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
Wfransdell@gmail.com | Oct 29, 2017 Excellentr Read More |
||||
|
0.49% |
$10,000 |
- |
Learn More
|
|
|
0.47% |
$100,000 |
- |
Learn More
|
|
|
0.47% |
$100,000 |
- |
Learn More
|
|
|
0.45% |
$10,000 |
- |
Learn More
|
|
|
0.45% |
$10,000 |
- |
Learn More
|
|
|
0.45% |
$100,000 |
- |
Learn More
|
|
|
0.45% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 3.75% → 4.75% → 4.40% → 4.00% → 0.45% |
||||
|
0.43% |
$25,000 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$500 |
- |
Learn More
|
|
|
0.40% |
$1,000 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$500 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$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 |
||||
|
0.40% |
$100,000 |
- |
Learn More
|
|
|
0.40% |
$500 |
- |
Learn More
|
|
|
0.40% |
$100,000 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$500 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
- |
Learn More
|
|
|
scubagirl | Mar 4, 2017 For greater Cincinnati customers only. Read More |
||||
|
0.38% |
$10,000 |
- |
Learn More
|
|
|
0.35% |
$100,000 |
- |
Learn More
|
|
|
0.35% |
$10,000 |
- |
Learn More
|
|
|
0.35% |
$10,000 |
- |
Learn More
|
|
|
0.35% |
$1,000 |
- |
Learn More
|
|
|
0.33% |
$100,000 |
- |
Learn More
|
|
|
0.32% |
$100,000 |
- |
Learn More
|
|
|
0.30% |
$1,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$500 |
- |
Learn More
|
|
|
0.30% |
$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 |
||||
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$500 |
- |
Learn More
|
|
|
Rate History: 0.40% → 0.30% |
||||
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$1,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
- |
Learn More
|
|
|
0.27% |
$500 |
- |
Learn More
|
|
|
0.27% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$500 |
- |
Learn More
|
|
|
0.25% |
$500 |
- |
Learn More
|
|
|
0.25% |
$100,000 |
- |
Learn More
|
|
|
Anon | Jul 23, 2019 Oberlen Ave in Lorain Ohio Read More |
||||
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
rosalie murray | Jul 18, 2020 how long can i use rabo bank checks? Read More |
||||
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$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 |
||||
|
0.25% |
$100,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$500 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
0.22% |
$10,000 |
- |
Learn More
|
|
|
0.21% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$500 |
- |
Learn More
|
|
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$500 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
|
|
0.17% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$1,000 |
- |
Learn More
|
|
|
0.15% |
$1,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$500 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$100 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$1,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.15% |
$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 |
||||
|
0.15% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$1,000 |
- |
Learn More
|
|
|
0.10% |
$500 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$250 |
- |
Learn More
|
|
|
Anon | Jul 23, 2019 Oberlen Ave in Lorain Ohio Read More |
||||
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$500 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$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 |
||||
|
0.09% |
$10,000 |
- |
Learn More
|
|
|
dionpayne | Jun 28, 2017 showmethreethousanddollars Read More |
||||
|
0.08% |
$10,000 |
- |
Learn More
|
|
|
0.07% |
$500 |
- |
Learn More
|
|
|
0.07% |
$10,000 |
- |
Learn More
|
|
|
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 |
||||
|
0.05% |
$10,000 |
- |
Learn More
|
|
|
0.05% |
$500 |
- |
Learn More
|
|
|
0.05% |
$10,000 |
- |
Learn More
|
|
|
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 |
||||
|
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 |
||||
|
0.01% |
$500 |
- |
Learn More
|
|
|
Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
||||
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.
Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.
Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.
The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.
Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
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.
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