Best 4-Year CD Rates in Ohio, OH

You are viewing rates from banks across Ohio

Below are four-year CD Rates from banks 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 - August 4, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
First Federal Savings and Loan Association of Lakewood Crile Lake County Branch	4.25%	$500	-	Learn More
Rate History: 4.47% → 4.25%
Pam \| Jan 21, 2020 The people there are very friendly and helpful. They have good rates most of the time. Read More Reviews (2)
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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 Reviews (2)
Farmers & Merchants Bank Farmers & Merchants Bank Branch	3.80%	$1,000	-	Learn More Add Review
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
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 Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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 Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Beal Bank Cincinnati Branch	3.45%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
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 Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
S&T Bank Akron Branch	3.00%	$500	-	Learn More
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens Boardman Branch	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
The Farmers National Bank of Canfield East Liverpool Branch	2.50%	$500	-	Learn More Add Review
Rate History: 0.30% → 2.50%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Monroe Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 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)
United Bank Bellaire Branch	1.90%	$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 Reviews (1)
Westfield Bank, FSB Westfield Bank, Fsb Branch	1.75%	$2,500	-	Learn More Add Review
New Dominion Direct	1.60%	$1,000	-	Learn More Add Review
The First National Bank of Pandora Findlay East Branch	1.51%	$1,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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 Reviews (2)
Third Federal Savings and Loan Association of Cleveland Brecksville Branch	1.50%	$500	-	Learn More Add Review
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Woodforest National Bank 0426 Heath Wal-Mart Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
The Peoples Savings and Loan Company Jackson Center Branch	1.26%	$10,000	-	Learn More Add Review
Forcht Bank, National Association	1.26%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	1.25%	$10,000	-	Learn More Add Review
Peoples State Bank Roseville Branch	1.21%	$10,000	-	Learn More Add Review
Union Savings Bank Eastgate Branch	1.15%	$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 Reviews (2)
THE HOME LOAN SAVINGS BANK Walnut Branch	1.10%	$10,000	-	Learn More Add Review
The Peoples Savings Bank 618 Scioto Street Branch	1.05%	$10,000	-	Learn More Add Review
The Hamler State Bank The Hamler State Bank Branch	1.01%	$5,000	-	Learn More Add Review
First Bank Richmond Sidney Branch	1.01%	$10,000	-	Learn More Add Review
Community Savings Community Savings Branch	1.01%	$10,000	-	Learn More Add Review
The North Side Bank and Trust Company Blue Ash Branch	1.00%	$10,000	-	Learn More Add Review
The First National Bank of Sycamore Mccutchenville Branch	1.00%	$1,000	-	Learn More Add Review
The Corn City State Bank The Corn City State Bank Branch	1.00%	$5,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
The Sherwood State Bank Defiance Branch	1.00%	$1,000	-	Learn More Add Review
CNB Bank Mentor Lake Branch	1.00%	$10,000	-	Learn More Add Review
SSB Community Bank Ssb Community Bank Branch	1.00%	$10,000	-	Learn More Add Review
Monroe Federal Savings and Loan Association Dixie Drive Branch	1.00%	$10,000	-	Learn More Add Review
Fidelity Federal Savings and Loan Association of Delaware Fidelity Federal Savings And Loan As Branch	1.00%	$10,000	-	Learn More Add Review
The Citizens National Bank of Woodsfield Sardis Branch	1.00%	$10,000	-	Learn More Add Review
The Waterford Commercial and Savings Bank Crooksville Branch	0.99%	$100,000	-	Learn More Add Review
The Citizens Bank Company The Citizens Bank Company Branch	0.99%	$100,000	-	Learn More Add Review
Portage Community Bank Kent Office Branch	0.95%	$10,000	-	Learn More Add Review
First National Bank in New Bremen First National Bank In New Bremen Branch	0.90%	$100,000	-	Learn More Add Review
Union Savings Bank Eastgate Branch	0.90%	$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 Reviews (2)
Guardian Savings Bank, A Federal Savings Bank West Chester -main Office Branch	0.90%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Home National Bank Syracuse Branch	0.87%	$100,000	-	Learn More Add Review
New Carlisle Federal Savings Bank Villa Road Branch	0.87%	$100,000	-	Learn More Add Review
New Carlisle Federal Savings Bank Villa Road Branch	0.85%	$10,000	-	Learn More Add Review
Buckeye State Bank Buckeye State Bank Branch	0.85%	$10,000	-	Learn More Add Review
The Home Savings and Loan Company of Kenton, Ohio The Home Savings And Loan Company Of Kenton, Ohio Branch	0.85%	$10,000	-	Learn More Add Review
The First Central National Bank of St. Paris Rosewood Branch	0.85%	$10,000	-	Learn More Add Review
Somerville Bank Hamilton Branch	0.85%	$10,000	-	Learn More Add Review
First Mutual Bank, FSB Stone Road Branch	0.85%	$10,000	-	Learn More Add Review
The Twin Valley Bank The Twin Valley Bank Branch	0.80%	$10,000	-	Learn More Add Review
Home National Bank Syracuse Branch	0.80%	$500	-	Learn More Add Review
RiverHills Bank New Richmond Branch	0.80%	$500	-	Learn More Add Review
The Osgood State Bank Chickasaw Branch	0.80%	$10,000	-	Learn More Add Review
First National Bank in New Bremen First National Bank In New Bremen Branch	0.80%	$10,000	-	Learn More Add Review
Galion Building and Loan Bank Bucyrus Road Branch	0.80%	$10,000	-	Learn More Add Review
The Killbuck Savings Bank Company Mount Hope Branch	0.80%	$100,000	-	Learn More Add Review
The Waterford Commercial and Savings Bank Crooksville Branch	0.79%	$10,000	-	Learn More Add Review
The Citizens Bank Company The Citizens Bank Company Branch	0.79%	$10,000	-	Learn More Add Review
The First National Bank of Bellevue Sandusky Branch	0.75%	$100,000	-	Learn More Add Review
Belmont Savings Bank 915 East Main St Branch	0.75%	$98,000	-	Learn More Add Review
Civista Bank Springboro Pike Branch	0.75%	$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 Reviews (2)
Greenville Federal Greenville Federal Branch	0.75%	$10,000	-	Learn More Add Review
Home Savings Bank of Wapakoneta Home Savings Bank Of Wapakoneta Branch	0.75%	$500	-	Learn More Add Review
The Killbuck Savings Bank Company Mount Hope Branch	0.75%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association Hebron Road Branch	0.75%	$10,000	-	Learn More Add Review
The Farmers State Bank Wagner Avenue Branch	0.70%	$1,000	-	Learn More Add Review
The Peoples Savings Bank Newport Branch	0.70%	$500	-	Learn More Add Review
The Hicksville Bank Edgerton Branch	0.70%	$500	-	Learn More Add Review
The Genoa Banking Company Rossford Branch	0.70%	$10,000	-	Learn More Add Review
First National Bank of Pennsylvania Streetsboro Branch	0.70%	$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 Reviews (1)
Portage Community Bank Kent Office Branch	0.70%	$100,000	-	Learn More Add Review
Greenville National Bank Northtown Branch	0.70%	$10,000	-	Learn More Add Review
The Brookville Building and Savings Association 721 S. Commerce St Branch	0.70%	$10,000	-	Learn More Add Review
The Cincinnatus Savings & Loan Co. 3664 Springdale Rd Branch	0.70%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Custar Banking Center Branch	0.69%	$100,000	-	Learn More Add Review
The Richwood Banking Company Plain City Branch	0.67%	$500	-	Learn More Add Review
Liberty Bank Proctorville Branch	0.66%	$1,000	-	Learn More Add Review
Mercer Savings Bank 123 East Main Street Branch	0.65%	$10,000	-	Learn More Add Review
Farmers State Bank Rittman Branch	0.65%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc. Switzerland Branch	0.65%	$10,000	-	Learn More Add Review
North Valley Bank Maple Office Branch	0.65%	$100,000	-	Learn More Add Review
Woodsfield Savings Bank Woodsfield Savings Bank Branch	0.65%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company Madeira Branch	0.65%	$500	-	Learn More Add Review
The Settlers Bank The Settlers Bank Branch	0.65%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Custar Banking Center Branch	0.61%	$10,000	-	Learn More Add Review
The First National Bank of Bellevue Sandusky Branch	0.60%	$10,000	-	Learn More Add Review
The Middlefield Banking Company Westerville Branch	0.60%	$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 Reviews (1)
First Federal Community Bank of Bucyrus 875 S Sandusky Ave Branch	0.60%	$10,000	-	Learn More Add Review
The Apple Creek Banking Company Manchester Branch	0.60%	$2,500	-	Learn More Add Review
The Commercial and Savings Bank of Millersburg, Ohio Winesburg Branch	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Germantown The First National Bank Of Germantow Branch	0.60%	$500	-	Learn More Add Review
Fairfield Federal Savings and Loan Association of Lancaster Crosscreeks Blvd Branch	0.60%	$10,000	-	Learn More Add Review
The Wilmington Savings Bank The Wilmington Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
Southern Hills Community Bank Southern Hills Community Bank Branch	0.60%	$10,000	-	Learn More Add Review
The Citizens National Bank of McConnelsville Duncan Falls Branch	0.55%	$10,000	-	Learn More Add Review
FCN Bank, National Association Harrison Branch	0.55%	$1,000	-	Learn More Add Review
The Fahey Banking Company East Side Branch	0.55%	$10,000	-	Learn More Add Review
First Federal Community Bank, National Association Berlin Branch	0.55%	$500	-	Learn More Add Review
Rate History: 0.80% → 0.75% → 0.65% → 0.55%
North Valley Bank Maple Office Branch	0.55%	$10,000	-	Learn More Add Review
The First National Bank of McConnelsville Glouster Branch	0.55%	$10,000	-	Learn More Add Review
Belmont Savings Bank 915 East Main St Branch	0.50%	$500	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$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
First Federal Bank of Ohio Bucyrus Road Branch	0.50%	$5,000	-	Learn More Add Review
The Huntington National Bank The Huntington National Bank Branch	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
The State Bank and Trust Company Paulding Banking Center Branch	0.50%	$10,000	-	Learn More Add Review
The Metamora State Bank Sylvania Banking Center Branch	0.50%	$10,000	-	Learn More Add Review
Dollar Bank, Federal Savings Bank Mentor Branch	0.50%	$10,000	-	Learn More Add Review
The Andover Bank Austinburg Branch	0.50%	$1,000	-	Learn More Add Review
Mechanics Bank 972 Ashland Road Branch	0.50%	$10,000	-	Learn More
rosalie murray \| Jul 18, 2020 how long can i use rabo bank checks? Read More Reviews (1)
Wayne Savings Community Bank North Clay Street Branch	0.50%	$10,000	-	Learn More Add Review
THE VINTON COUNTY NATIONAL BANK Ashville Branch	0.50%	$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 Reviews (1)
The Hocking Valley Bank Albany Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	0.47%	$10,000	-	Learn More Add Review
The Park National Bank 1501 First-Knox National Bank Branch	0.45%	$1,000	-	Learn More Add Review
Minster Bank Minster Bank Branch	0.45%	$10,000	-	Learn More Add Review
First Bank of Ohio Bloomville Branch	0.45%	$500	-	Learn More Add Review
The Ottoville Bank Company The Ottoville Bank Company Branch	0.45%	$10,000	-	Learn More Add Review
Van Wert Federal Savings Bank Van Wert Federal Savings Bank Branch	0.45%	$10,000	-	Learn More Add Review
The Republic Banking Company The Republic Banking Company Branch	0.45%	$500	-	Learn More Add Review
The St. Henry Bank Maria Stein Branch	0.45%	$10,000	-	Learn More Add Review
The Merchants National Bank City Gate Branch	0.45%	$10,000	-	Learn More Add Review
The Ohio Valley Bank Company Jackson Branch	0.45%	$10,000	-	Learn More Add Review
The Farmers Bank and Savings Company Tuppers Plains Branch	0.45%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Van Wert First Federal Savings And Loan Assoc Branch	0.40%	$10,000	-	Learn More Add Review
The Peoples Bank Mount Vernon Branch East	0.40%	$1,000	-	Learn More Add Review
Community Bank	0.40%	$10,000	-	Learn More Add Review
Kingston National Bank Messenger Service Branch	0.40%	$1,000	-	Learn More Add Review
First Bank of Berne Van Wert, Oh Branch	0.35%	$1,000	-	Learn More Add Review
Signature Bank, National Association Signature Bank, National Association Branch	0.35%	$100,000	-	Learn More Add Review
The Union Bank Company Westerville Branch	0.35%	$500	-	Learn More Add Review
The Old Fort Banking Company The Old Fort Banking Company Branch	0.35%	$10,000	-	Learn More Add Review
Buckeye Community Bank Buckeye Community Bank Branch	0.35%	$10,000	-	Learn More Add Review
LCNB National Bank Brookville Nb Branch	0.35%	$10,000	-	Learn More Add Review
First Commonwealth Bank Main Street Branch	0.35%	$10,000	-	Learn More Add Review
Cf Bank, National Association Cfbank Branch	0.35%	$10,000	-	Learn More
alyssa \| Mar 3, 2025 what a nightmare. I spent over 6 weeks working with [name redacted] from CF banks. She was suppose to be getting me approved for a home mortgage that needed to be closed by march 17th 2025. After about 5... Read More Reviews (4)
The First National Bank of Dennison Boulevard Branch	0.35%	$10,000	-	Learn More Add Review
First Merchants Bank Reynoldsburg Branch	0.35%	$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 Reviews (4)
The First National Bank of Blanchester The First National Bank Of Blanchest Branch	0.35%	$10,000	-	Learn More Add Review
The Croghan Colonial Bank Curtice Branch	0.32%	$500	-	Learn More Add Review
First Federal Savings and Loan Association of Lorain First Federal Savings And Loan Assoc Branch	0.30%	$250	-	Learn More
Anon \| Jul 23, 2019 Oberlen Ave in Lorain Ohio Read More Reviews (27)
First Bank of Central Ohio	0.30%	$500	-	Learn More Add Review
First Financial Bank Worthington (Insight) Branch	0.30%	$10,000	-	Learn More Add Review
First Merchants Bank Reynoldsburg Branch	0.30%	$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 Reviews (4)
The First National Bank of Waverly Bristol Village Branch	0.30%	$10,000	-	Learn More Add Review
Northwest Bank Painesville Branch	0.28%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.26%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
The Fort Jennings State Bank Columbus Grove Branch	0.25%	$10,000	-	Learn More Add Review
First Commonwealth Bank Main Street Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
The First Citizens National Bank of Upper Sandusky Powell Branch	0.20%	$10,000	-	Learn More Add Review
Community First Bank, National Association Kenton Branch	0.20%	$10,000	-	Learn More Add Review
The Bank of Magnolia Company Canton South Branch	0.20%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First Commonwealth Bank Main Street Branch	0.15%	$100,000	-	Learn More Add Review
U.S. Bank National Association Oxford Branch	0.15%	$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 Reviews (2)
KeyBank National Association Montgomery Branch	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
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 Reviews (2)
Signature Bank, National Association Signature Bank, National Association Branch	0.05%	$10,000	-	Learn More Add Review
PNC Bank, National Association Seventh And Vine Branch	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 Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
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 Reviews (7)
Fifth Third Bank, National Association Brookhaven Retirement Center Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

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 zip 10116

Branch	Street	City	State
First Federal Savings and Loan Association of Lakewood Crile Lake County Branch	7595 Crile Road	Painesville	OH
Farmers & Merchants Bank Farmers & Merchants Bank Branch	41 South First Street	Miamisburg	OH
Monet Bank Cincinnati Branch	7880 Montgomery Rd	Cincinnati	OH
S&T Bank Akron Branch	491 North Cleveland-Massillon Road	Akron	OH
Citizens Boardman Branch	955 Boardman-Poland Road	Boardman	OH
The Farmers National Bank of Canfield East Liverpool Branch	617 Bradshaw Avenue	East Liverpool	OH
JPMorgan Chase Bank, National Association Monroe Branch	One East Ave	Monroe	OH
United Bank Bellaire Branch	3198 Belmont Street	Bellaire	OH
Westfield Bank, FSB Westfield Bank, Fsb Branch	Two Park Circle	Westfield Center	OH
The First National Bank of Pandora Findlay East Branch	1630 Tiffin Avenue	Findlay	OH
Third Federal Savings and Loan Association of Cleveland Brecksville Branch	8943 Brecksville Road	Brecksville	OH
Woodforest National Bank 0426 Heath Wal-Mart Branch	911 Hebron Road	Heath	OH
The Peoples Savings and Loan Company Jackson Center Branch	707 East Pike Street	Jackson Center	OH
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	110 North Main Street	Bellefontaine	OH
Peoples State Bank Roseville Branch	55 N Main Street	Roseville	OH
Union Savings Bank Eastgate Branch	843 Eastgate S. Dr	Cincinnati	OH
THE HOME LOAN SAVINGS BANK Walnut Branch	590 Walnut Street	Coshocton	OH
The Peoples Savings Bank 618 Scioto Street Branch	618 Scioto Street	Urbana	OH
The Hamler State Bank The Hamler State Bank Branch	210 Randolph Street	Hamler	OH
First Bank Richmond Sidney Branch	2140 Michigan Street, Suite A	Sidney	OH
Community Savings Community Savings Branch	425 Main Street	Caldwell	OH
The North Side Bank and Trust Company Blue Ash Branch	9407 Kenwood Rd.	Cincinnati	OH
The First National Bank of Sycamore Mccutchenville Branch	Clay Street	Mccutchenville	OH
The Corn City State Bank The Corn City State Bank Branch	120 West Main Street	Deshler	OH
The Sherwood State Bank Defiance Branch	400 Third Street	Defiance	OH
CNB Bank Mentor Lake Branch	7402 Center Street	Mentor	OH
SSB Community Bank Ssb Community Bank Branch	224 North Bodmer Avenue	Strasburg	OH
Monroe Federal Savings and Loan Association Dixie Drive Branch	8512 N Dixie Dr	Dayton	OH
Fidelity Federal Savings and Loan Association of Delaware Fidelity Federal Savings And Loan As Branch	60 North Sandusky St	Delaware	OH
The Citizens National Bank of Woodsfield Sardis Branch	State Route 7	Sardis	OH
The Waterford Commercial and Savings Bank Crooksville Branch	250 West Main Street	Crooksville	OH
The Citizens Bank Company The Citizens Bank Company Branch	501 Fifth Street	Beverly	OH
Portage Community Bank Kent Office Branch	1532 South Water Street	Kent	OH
First National Bank in New Bremen First National Bank In New Bremen Branch	435 South Washington Street	New Bremen	OH
Union Savings Bank Eastgate Branch	843 Eastgate S. Dr	Cincinnati	OH
Guardian Savings Bank West Chester -main Office Branch	6100 West Chester Road	West Chester	OH
Home National Bank Syracuse Branch	2405 3rd Street	Syracuse	OH
New Carlisle Federal Savings Bank Villa Road Branch	833 Villa Road	Springfield	OH
New Carlisle Federal Savings Bank Villa Road Branch	833 Villa Road	Springfield	OH
Buckeye State Bank Buckeye State Bank Branch	101 North Main Street	De Graff	OH
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC The Home Savings And Loan Company Of Kenton, Ohio Branch	116 East Franklin Street	Kenton	OH
The First Central National Bank of St. Paris Rosewood Branch	11013 Ohio 29	Rosewood	OH
Somerville Bank Hamilton Branch	75 North Brookwood Avenue	Hamilton	OH
First Mutual Bank, FSB Stone Road Branch	Stone Road And Washington Boulevard	Belpre	OH
The Twin Valley Bank The Twin Valley Bank Branch	2 East Dayton Street	West Alexandria	OH
Home National Bank Syracuse Branch	2405 3rd Street	Syracuse	OH
RiverHills Bank New Richmond Branch	110 Front Street	New Richmond	OH
Osgood Bank Chickasaw Branch	79 West Franklin St	Chickasaw	OH
First National Bank in New Bremen First National Bank In New Bremen Branch	435 South Washington Street	New Bremen	OH
Galion Building and Loan Bank Bucyrus Road Branch	920 Bucyrus Road	Galion	OH
The Killbuck Savings Bank Company Mount Hope Branch	8115 Ohio State Route 241	Mount Hope	OH
The Waterford Commercial and Savings Bank Crooksville Branch	250 West Main Street	Crooksville	OH
The Citizens Bank Company The Citizens Bank Company Branch	501 Fifth Street	Beverly	OH
The First National Bank of Bellevue Sandusky Branch	3410 Venice Road	Sandusky	OH
Belmont Savings Bank 915 East Main St Branch	915 East Main St	Barnesville	OH
Civista Bank Springboro Pike Branch	9700 Springboro Pike	Miamisburg	OH
Greenville Federal Greenville Federal Branch	690 Wagner Avenue	Greenville	OH
Home Savings Bank of Wapakoneta Home Savings Bank Of Wapakoneta Branch	1 South Blackhoof Street	Wapakoneta	OH
The Killbuck Savings Bank Company Mount Hope Branch	8115 Ohio State Route 241	Mount Hope	OH
First Federal Savings and Loan Association Hebron Road Branch	900 Hebron Road	Heath	OH
The Farmers State Bank Wagner Avenue Branch	675 Wagner Avenue	Greenville	OH
The Peoples Savings Bank Newport Branch	Route 7	Newport	OH
The Hicksville Bank Edgerton Branch	304 North Michigan Avenue	Edgerton	OH
The Genoa Banking Company Rossford Branch	9920 Old Us 20	Rossford	OH
First National Bank of Pennsylvania Streetsboro Branch	1190 State Road 303	Streetsboro	OH
Portage Community Bank Kent Office Branch	1532 South Water Street	Kent	OH
Greenville National Bank Northtown Branch	480 Wagner Avenue	Greenville	OH
The Brookville Building and Savings Association 721 S. Commerce St Branch	721 S Commerce St	Lewisburg	OH
The Cincinnatus Savings & Loan Co. 3664 Springdale Rd Branch	3664 Springdale Rd	Cincinnati	OH
The Farmers & Merchants State Bank Custar Banking Center Branch	22973 Defiance Pike	Custar	OH
The Richwood Banking Company Plain City Branch	601 West Main Street	Plain City	OH
Liberty Bank Proctorville Branch	347 County Road 411	Proctorville	OH
Mercer Savings Bank 123 East Main Street Branch	123 East Main Street	Greenville	OH
Farmers State Bank Rittman Branch	205 North Main Street	Rittman	OH
WesBanco Bank, Inc. Switzerland Branch	Washington And Ohio Streets	Beallsville	OH
North Valley Bank Maple Office Branch	3636 Maple Ave.	Zanesville	OH
Woodsfield Savings Bank Woodsfield Savings Bank Branch	600 Lewisville Road	Woodsfield	OH
Stock Yards Bank & Trust Company Madeira Branch	7124 Miami Avenue	Madeira	OH
The Settlers Bank The Settlers Bank Branch	115-121 Third Street	Marietta	OH
The Farmers & Merchants State Bank Custar Banking Center Branch	22973 Defiance Pike	Custar	OH
The First National Bank of Bellevue Sandusky Branch	3410 Venice Road	Sandusky	OH
The Middlefield Banking Company Westerville Branch	17 North State St	Westerville	OH
First Federal Community Bank of Bucyrus 875 S Sandusky Ave Branch	875 S Sandusky Ave	Bucyrus	OH
The Apple Creek Banking Company Manchester Branch	5091 Manchester Rd	Akron	OH
The Commercial and Savings Bank of Millersburg, Ohio Winesburg Branch	2225 U.S. Route 62	Winesburg	OH
The First National Bank of Germantown The First National Bank Of Germantow Branch	17 North Main Street	Germantown	OH
Fairfield Federal Savings and Loan Association of Lancaster Crosscreeks Blvd Branch	1515 Cross Creeks Blvd	Pickerington	OH
The Wilmington Savings Bank The Wilmington Savings Bank Branch	184 North South Street	Wilmington	OH
Southern Hills Community Bank Southern Hills Community Bank Branch	45 East Main Street	Leesburg	OH
The Citizens National Bank of McConnelsville Duncan Falls Branch	412 Main Street	Duncan Falls	OH
FCN Bank, National Association Harrison Branch	590 Ring Road	Harrison	OH
The Fahey Banking Company East Side Branch	949 East Center Street	Marion	OH
First Federal Community Bank, National Association Berlin Branch	4737 Us Highway 62	Berlin	OH
North Valley Bank Maple Office Branch	3636 Maple Ave.	Zanesville	OH
The First National Bank of McConnelsville Glouster Branch	Toledo Street	Glouster	OH
Belmont Savings Bank 915 East Main St Branch	915 East Main St	Barnesville	OH
First Federal Bank of Ohio Bucyrus Road Branch	901 Bucyrus Road	Galion	OH
The Huntington National Bank The Huntington National Bank Branch	814 Wheeling Avenue	Cambridge	OH
The State Bank and Trust Company Paulding Banking Center Branch	Main And Caroline Streets	Paulding	OH
The Metamora State Bank Sylvania Banking Center Branch	8282 Erie Street	Sylvania	OH
Dollar Bank, Federal Savings Bank Mentor Branch	7891 Mentor Avenue	Mentor	OH
The Andover Bank Austinburg Branch	State Route 45 And College Street	Austinburg	OH
Mechanics Bank 972 Ashland Road Branch	972 Ashland Road	Mansfield	OH
Main Street Bank Corp. North Clay Street Branch	90 North Clay Street	Millersburg	OH
THE VINTON COUNTY NATIONAL BANK Ashville Branch	26 East Main Street	Ashville	OH
The Hocking Valley Bank Albany Branch	Washington And Clinton Streets	Albany	OH
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	430 North Street	Caldwell	OH
The Park National Bank 1501 First-Knox National Bank Branch	One South Main Street	Mount Vernon	OH
Minster Bank Minster Bank Branch	95 West 4th Street	Minster	OH
First Bank of Ohio Bloomville Branch	22 South Marion Street	Bloomville	OH
The Ottoville Bank Company The Ottoville Bank Company Branch	161 West Third Street	Ottoville	OH
GreenWay Bank Van Wert Federal Savings Bank Branch	976 South Shannon Street	Van Wert	OH
The Republic Banking Company The Republic Banking Company Branch	202 Washington Street	Republic	OH
The St. Henry Bank Maria Stein Branch	8111 Ohio 119	Maria Stein	OH
The Merchants National Bank City Gate Branch	181 North Coleman Crossing Blvd	Marysville	OH
The Ohio Valley Bank Company Jackson Branch	400 East Main Street	Jackson	OH
The Farmers Bank and Savings Company Tuppers Plains Branch	42068 State Route 7	Tuppers Plains	OH
First Federal Savings and Loan Association of Van Wert First Federal Savings And Loan Assoc Branch	679 Fox Road	Van Wert	OH
The Peoples Bank Mount Vernon Branch East	11423 Upper Gilchrist Road	Mount Vernon	OH
Kingston National Bank Messenger Service Branch	2 North Main Street	Kingston	OH
First Bank of Berne Van Wert, Oh Branch	102 Christopher Crossing	Van Wert	OH
Signature Bank, National Association Signature Bank, National Association Branch	4607 West Sylvania Avenue	Toledo	OH
The Union Bank Company Westerville Branch	468 Polaris Parkway	Westerville	OH
The Old Fort Banking Company The Old Fort Banking Company Branch	8034 Main Street	Old Fort	OH
Buckeye Community Bank Buckeye Community Bank Branch	105 Sheffield Center	Lorain	OH
LCNB National Bank Brookville Nb Branch	225 Upper Lewisburg-Salem Road	Brookville	OH
First Commonwealth Bank Main Street Branch	Main And Federal Streets	Midway	OH
CFBank, National Association Cfbank Branch	7000 N. High Street	Columbus	OH
The First National Bank of Dennison Boulevard Branch	824 Boulevard	Dover	OH
First Merchants Bank Reynoldsburg Branch	6950 East Main Street	Reynoldsburg	OH
The First National Bank of Blanchester The First National Bank Of Blanchest Branch	121 East Main Street	Blanchester	OH
The Croghan Colonial Bank Curtice Branch	7182 North Lucas St.	Curtice	OH
First Federal Savings and Loan Association of Lorain First Federal Savings And Loan Assoc Branch	3721 Oberlin Avenue	Lorain	OH
First Financial Bank Worthington (Insight) Branch	150 West Wilson Bridge Road	Worthington	OH
First Merchants Bank Reynoldsburg Branch	6950 East Main Street	Reynoldsburg	OH
The First National Bank of Waverly Bristol Village Branch	625 Fifth Street	Waverly	OH
Northwest Bank Painesville Branch	70 Richmond Street	Painesville	OH
First State Bank First State Bank Branch	134 East Court Street	Washington Court House	OH
The Fort Jennings State Bank Columbus Grove Branch	302 Delphos Road	Columbus Grove	OH
First Commonwealth Bank Main Street Branch	Main And Federal Streets	Midway	OH
The First Citizens National Bank of Upper Sandusky Powell Branch	9595 Sawmill Parkway	Powell	OH
Community First Bank, National Association Kenton Branch	438 South Main Street	Kenton	OH
The Bank of Magnolia Company Canton South Branch	3221 Cleveland Ave Sw	Canton	OH
First Commonwealth Bank Main Street Branch	Main And Federal Streets	Midway	OH
U.S. Bank National Association Oxford Branch	One Lynn Street	Oxford	OH
KeyBank National Association Montgomery Branch	9861 Montgomery Road	Cincinnati	OH
Signature Bank, National Association Signature Bank, National Association Branch	4607 West Sylvania Avenue	Toledo	OH
PNC Bank, National Association Seventh And Vine Branch	632 Vine Street	Cincinnati	OH
Fifth Third Bank, National Association Brookhaven Retirement Center Branch	One Country Lane	Brookville	OH

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

SAVINGS & CD CALCULATOR

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Ohio CD Rates – 4-Year

Branches Info around zip 10116

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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