Highest 6-Month CD Rates in Ohio
63 Ohio-specific 6-Month CD products
The Ohio market
Ohio accounts
63
Institutions
54
Top Ohio APY
4.25% APY
Nationally: 4.35% APY
FDIC national average
1.41%
As of Sep 2026
63 6-month CDs are open only to Ohio residents, from 54 institutions. The highest advertised APY among them is 4.25%.
The highest nationally available rate is 4.35% APY, 10 basis points above the Ohio leader.
36 of the 63 Ohio 6-month CDs advertise more than the FDIC national average of 1.41% for 6-month CDs as of Sep 2026.
Ohio-Specific 6-Month CD Rates
6-Month CD rates specifically available to Ohio residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #2 | 4.02%APY Observed: Oct 12, 2026 Branches: Yes | $2,500 | ||
| #3 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #4 | 3.98%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #5 | Up to3.95%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #6 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #7 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 3.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #9 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #10 | 3.74%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #11 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #12 | 3.60%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #13 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #14 | 3.53%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #15 | 3.53%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #16 | 3.50%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #17 | 3.50%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #19 | 3.45%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #20 | 3.43%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #21 | 3.35%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #22 | 3.35%APY Observed: Oct 8, 2026 Branches: Yes | N/A | ||
| #23 | 3.35%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | Fairfield Federal Savings and Loan Association of Lancaster 6 Month Certificate Account Term: 6 months | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $500 | |
| #25 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #26 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.04%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.04%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #31 | 2.53%APY Observed: Oct 7, 2026 | $500 | ||
| #32 | 2.26%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #33 | 1.82%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 1.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | Up to1.50%APY Relationship rate · 0.99% without the relationship Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | 1.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | 1.35%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #38 | 1.01%APY Observed: Oct 7, 2026 Branches: Yes | $1,500 | ||
| #39 | 1.00%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #40 | Up to0.84%APY Needs at least $150,000 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #41 | 0.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #42 | 0.75%APY Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #43 | 0.35%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #44 | 0.30%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #45 | 0.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 0.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #47 | 0.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #48 | 0.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #49 | 0.20%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #50 | 0.20%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$500
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
Needs at least $50,000
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
N/A
Yes
N/A
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$500
Yes
$2,500
Yes
$5,000
Yes
N/A
Yes
$1,000
Yes
6 Month Certificate Account
Term: 6 months
$500
Yes
N/A
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$2,500
Yes
$500
N/A
$1,000
Yes
$1,000
Yes
$500
Yes
Relationship rate · 0.99% without the relationship
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,500
Yes
$1,000
Yes
Needs at least $150,000
$500
Yes
$1,000
Yes
$2,500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
Nationally Available 6-Month CD Rates
The 8 highest 6-Month CD rates available nationwide, including in Ohio.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 6 Months6 months | 4.35% |
| Climate First Bank | 6-Month CD6 months | 4.33% |
| Happen Bank | 6-Month CD6 months | 4.30% |
| Newtek Bank | 6-Month CD6 months | 4.30% |
| Ivy Bank | 6-Month High-Yield Certificate of Deposit6 months | 4.25% |
| E*TRADE from Morgan Stanley | 6-Month Certificates of Deposit6 months | 4.20% |
| Live Oak Bank | 6-Month Personal CD6 months | 4.20% |
| Colorado Federal Savings Bank | 6-Month CD6 months | 4.15% |