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Ohio Credit Union IRA CD Rates 2018

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

OH - February 23, 2018

Advertiser Disclosure
BANKS APY Term MIN MILES ?
2.75% 32 $50 -
2.65% 60 $1,000 -
Bmi
Restrictions
2.60% 61 $5,000 -
Bmi
Restrictions
2.55% 55 $5,000 -
Bmi
Restrictions
2.50% 49 $5,000 -
Bmi
Restrictions
2.45% 43 $5,000 -
Bmi
Restrictions
2.40% 37 $5,000 -
Bmi
Restrictions
2.30% 31 $5,000 -
Ukrainian
Restrictions
2.27% 60 $500 -
Ohio University
Restrictions
2.25% 59 $500 -
Bmi
Restrictions
2.25% 25 $5,000 -
Fremont
Restrictions
2.12% 36 $5,000 -
Ukrainian
Restrictions
2.12% 36 $500 -
2.10% 60 $1,000 -
Baxter
Restrictions
2.10% 65 $500 -
Seven Seventeen
Restrictions
2.05% 24 $500 -
Connexus
Restrictions
2.01% - $5,000 -
2.00% - $500 -
Sharefax
Restrictions
2.00% 24 $500 -
2.00% - $500 -
Firelands
Restrictions
1.95% 30 $500 -
Day Air
Restrictions
1.80% - $500 -
1.70% 50 $500 -
Three Rivers
Restrictions
1.70% 15 $25,000 -
Golden Circle
Restrictions
1.66% 60 $1,000 -
River Valley
Restrictions
1.65% - $1,000 -
Century
Restrictions
1.63% - $500 -
Three Rivers
Restrictions
1.60% 15 $25,000 -
Baxter
Restrictions
1.60% 18 $500 -
1.46% 35 $500 -
1.45% - $1,000 -
Universal 1
Restrictions
1.41% - $500 -
Ukrainian
Restrictions
1.36% - $500 -
General Electric
Restrictions
1.30% - $500 -
Kemba Financial
Restrictions
1.30% - $250 -
Heartland
Restrictions
1.26% - $500 -
Bayer Heritage
Restrictions
1.26% - $500 -
1.25% - $500 -
Kemba
Restrictions
1.25% - $500 -
Abbey
Restrictions
1.25% - $1,000 -
1.25% - $1,000 -
1.25% - $500 -
Hancock
Restrictions
1.25% - $500 -
Sun
Restrictions
1.21% - $500 -
Cleveland Police
Restrictions
1.20% - $500 -
Southeastern Ohio
Restrictions
1.20% - $1,000 -
1.15% 13 $1,000 -
Riverview
Restrictions
1.11% 39 $5,000 -
1.11% 14 $500 -
Community Star
Restrictions
1.10% 19 $100,000 -
1.10% - $500 -
Promedica
Restrictions
1.10% - $500 -
1.10% - $500 -
Unity Catholic
Restrictions
1.05% - $500 -
Community Star
Restrictions
1.05% 19 $50,000 -
1.05% - $500 -
Fremont
Restrictions
1.01% - $1,000 -
1.01% - $500 -
Toledo Metro
Restrictions
1.00% - $250 -
Community Star
Restrictions
1.00% 19 $500 -
1.00% - $1,000 -
Firelands
Restrictions
1.00% - $500 -
1.00% - $500 -
Baxter
Restrictions
0.95% - $500 -
0.95% - $1,000 -
0.95% - $300 -
Community Star
Restrictions
0.90% - $500 -
0.90% - $1,000 -
Emery
Restrictions
0.90% - $500 -
0.90% - $1,000 -
Ashland
Restrictions
0.85% - $1,000 -
Lakeview
Restrictions
0.85% - $500 -
0.80% - $500 -
Clearview
Restrictions
0.80% - $1,000 -
0.80% - $500 -
0.80% - $500 -
Your Legacy
Restrictions
0.75% - $500 -
0.75% - $500 -
Hopewell
Restrictions
0.75% 23 $2,500 -
Desco
Restrictions
0.75% - $2,500 -
0.75% - $1,000 -
Ohio Catholic
Restrictions
0.75% - $500 -
0.75% - $500 -
0.75% 20 $5,000 -
Truliant
Restrictions
0.75% - $250 -
Golden Circle
Restrictions
0.75% - $1,000 -
0.75% - $1,000 -
Glass City
Restrictions
0.70% - $500 -
Directions
Restrictions
0.70% - $500 -
Seven Seventeen
Restrictions
0.70% - $500 -
0.65% - $500 -
Bay Area
Restrictions
0.60% - $1,000 -
Sharefax
Restrictions
0.60% - $500 -
0.60% - $1,000 -
Columbus Metro
Restrictions
0.60% - $500 -
0.60% - $1,000 -
Riverview
Restrictions
0.55% - $500 -
Aurgroup
Restrictions
0.55% - $500 -
Cme
Restrictions
0.55% - $500 -
0.55% - $500 -
Quest
Restrictions
0.50% - $1,000 -
Taleris
Restrictions
0.50% - $500 -
0.50% - $500 -
Ohio University
Restrictions
0.45% - $500 -
Hopewell
Restrictions
0.45% - $500 -
0.45% - $1,000 -
Usx
Restrictions
0.45% - $500 -
0.40% - $1,000 -
Truecore
Restrictions
0.40% - $500 -
0.40% - $500 -
Community First
Restrictions
0.40% - $500 -
0.40% - $500 -
Vacationland
Restrictions
0.40% - $500 -
Bmi
Restrictions
0.40% - $500 -
0.40% - $500 -
0.35% - $1,000 -
Homeland
Restrictions
0.35% - $500 -
Dover-phila
Restrictions
0.35% - $500 -
Atomic
Restrictions
0.35% - $1,000 -
0.35% - $500 -
0.35% 7 $500 -
Hopewell
Restrictions
0.35% 11 $2,500 -
First Service
Restrictions
0.30% - $1,000 -
0.30% - $100 -
Telhio
Restrictions
0.30% - $500 -
0.30% - $500 -
0.30% - $500 -
Midusa
Restrictions
0.30% - $500 -
Ohio Healthcare
Restrictions
0.30% - $250 -
0.25% - $500 -
Steel Valley
Restrictions
0.25% - $500 -
Stark
Restrictions
0.25% - $1 -
0.25% - $250 -
Lormet Community
Restrictions
0.25% - $500 -
Fme
Restrictions
0.25% - $500 -
Champion
Restrictions
0.25% - $1,000 -
Partners 1st
Restrictions
0.23% - $500 -
C E S
Restrictions
0.20% - $500 -
0.20% - $500 -
0.20% - $100 -
Summit
Restrictions
0.20% - $500 -
Advantage
Restrictions
0.20% - $500 -
Great Lakes
Restrictions
0.20% - $500 -
Towpath
Restrictions
0.20% - $500 -
Ohio Educational
Restrictions
0.15% - $500 -
Bfg
Restrictions
0.15% - $500 -
Midwest Community
Restrictions
0.15% - $250 -
0.15% - $500 -
Everence
Restrictions
0.15% - $500 -
Medina County
Restrictions
0.05% - $1,000 -
All rates listed above are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point.


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PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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