Best 3 Year CD Rates in Circleville, Ohio, Ohio

You are viewing rates from banks across Circleville

Below are three-year CD Rates from banks in Circleville, Ohio. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

Circleville, OH - December 14, 2025

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Sallie Mae Bank	3.90%	$2,500	-	Learn More
Rate History: 4.00% → 3.60% → 3.40% → 4.00% → 3.90%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
TotalDirect, a division of City National Bank of Florida	3.76%	$25,000	-	Learn More Add Review
Rate History: 3.56% → 4.16% → 4.00% → 3.76%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Limelight Bank, A division of Capital Community Bank	3.70%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 3.95% → 3.75% → 3.70% → 3.70% → 3.70%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.75% → 3.50%
2 Months with Vio Bank \| Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More
Popular Direct	3.45%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.10% → 3.90% → 3.80% → 3.70% → 3.45%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Citizens	3.25%	$5,000	-	Learn More Add Review
Rate History: 3.25% → 3.25% → 3.25% → 3.25%
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Citizens Citizens Bank, National Association Branch	3.25%	$5,000	23.32	Learn More
Rate History: 3.10% → 2.85% → 3.50% → 3.25%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
JPMorgan Chase Bank, National Association Mt. Sterling Branch	2.00%	$10,000	19.14	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Woodforest National Bank 1440 Chillicothe Wal-Mart Branch	1.40%	$500	17.39	Learn More
Rate History: 1.00% → 1.40% → 2.25% → 1.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Union Savings Bank Grove City Branch	1.05%	$10,000	20.57	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)
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
Union Savings Bank Grove City Branch	0.80%	$10,000	20.57	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)
WesBanco Bank, Inc. Grove City Branch	0.50%	$10,000	18.23	Learn More Add Review
The Savings Bank Williamsport Branch	0.48%	$1,000	9.45	Learn More Add Review
THE VINTON COUNTY NATIONAL BANK Grove City Branch	0.45%	$1,000	20.44	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)
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
The Ohio Valley Bank Company Mount Sterling Branch	0.40%	$10,000	19.02	Learn More Add Review
Kingston National Bank Kingston National Bank Branch	0.40%	$1,000	18.60	Learn More Add Review
LCNB National Bank Frankfort Branch	0.35%	$10,000	18.53	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
Jeff Talmage \| Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More
First Financial Bank Bexley Branch	0.20%	$10,000	24.82	Learn More Add Review
Peoples Bank of Marietta, Ohio Lancaster Fair Avenue Branch	0.12%	$10,000	18.24	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)

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

Branches Info around Circleville, OH - December 14, 2025

Branch	Street	City	State
Citizens Citizens Bank, National Association Branch	1441 Parsons Avenue	Columbus	OH
JPMorgan Chase Bank, National Association Mt. Sterling Branch	47 North London Street	Mount Sterling	OH
Woodforest National Bank 1440 Chillicothe Wal-Mart Branch	85 River Trace Lane	Chillicothe	OH
Union Savings Bank Grove City Branch	4090 Hoover Rd.	Grove City	OH
Union Savings Bank Grove City Branch	4090 Hoover Rd.	Grove City	OH
WesBanco Bank, Inc. Grove City Branch	5901 Hoover Road	Grove City	OH
The Savings Bank Williamsport Branch	200 South Water Street	Williamsport	OH
THE VINTON COUNTY NATIONAL BANK Grove City Branch	2250 Stringtown Road	Grove City	OH
The Ohio Valley Bank Company Mount Sterling Branch	299 Yankeetown Road	Mount Sterling	OH
Kingston National Bank Kingston National Bank Branch	790 Western Avenue	Chillicothe	OH
LCNB National Bank Frankfort Branch	Main And Springfield Streets	Frankfort	OH
First Financial Bank Bexley Branch	2680 East Main Street	Bexley	OH
Peoples Bank of Marietta, Ohio Lancaster Fair Avenue Branch	2211 West Fair Avenue	Lancaster	OH

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PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

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.